Personal Planning
Life right now
Your money should work for you throughout your life, so you can do and enjoy all the things that make living fun, fulfilling and exciting.
Retirement
Are you saving enough? Can you afford to retire? Whether you're already retirement age, or retirement seems very far away, we can help you create and a retirement income plan - and then help you keep it on track.
Education/College
Saving for higher education - yours or your child's - requires a lot of planning and resolve. We'll explain the different investment accounts you can use to save for college, the benefits of each - and their effect on financial aid. Then, we'll help create a plan that works best for you.
Charitable Giving
A well thought-out charitable giving plan can help make you reach your goals and minimize your tax liability. We can help you define your goals, identify resources, and understand giving strategies. Once you implement a plan, we'll help monitor your results.
Estate Conservation
After years of building and managing your assets, you'll want your heirs to reap the benefits of your hard work. Minimize the taxes and costs they'll inherit by sharing ownership of your assets, naming beneficiaries in life insurance policies, establishing trusts, and making gifts before you die.
Products
We'll look carefully at various ways to grow your portfolio and to assure your financial protection. We can talk about mutual funds, bonds, and individual securities, life insurance and annuities, long-term care insurance, and disability income insurance.