What We Offer
Products & Services
Let’s face it: personal and business finance is complicated. Trying to put together the pieces yourself can be overwhelming and time consuming and often leave holes or open you up to making mistakes. We offer a full suite of financial products and services, and know how to put them together so that they work for each other to best protect and grow your wealth over the long term.
Comprehensive Financial Planning & Wealth Management Services
Preservation & Growth
Finding the right investment vehicle and account is critical, but it’s equally important to have the roadmap and strategy in order to best use that vehicle to reach your goals.
Financial Planning
Retirement Planning
Estate and Trust Planning
Investment Planning
College Planning
Hear it from our clients…
Comprehensive Financial Planning
▪ Cash Flow Analysis
▪ Goals-Based Retirement
Planning
▪ Goals-Based Education
Planning
▪ Distribution Strategies
▪ ‘What if’ Scenarios
▪ Social Security Analysis
▪ Income Tax Strategies
▪ Charitable Giving
▪ Legacy Planning
▪ Life/Disability/LTC
Analysis
▪ Account Aggregation with
Online Access
Executive Financial Planning
▪ All components of the Comprehensive Financial Planning Package
▪ Executive Compensation Strategies ▪ Stock Option Analysis
▪ Restricted Stock Analysis
▪ Advanced estate and income tax
strategies
▪ Executive Compensation Strategies ▪ Stock Option Analysis
▪ Restricted Stock Analysis
▪ Advanced estate and income tax
strategies
Business Owner Financial Planning
▪ All components of the Comprehensive Planning Package
▪ Advanced estate and income tax strategies
▪ Business Retirement Planning
▪ Exit Strategy Planning
Individual Account Services
Rollover IRA’s
Traditional/ROTH IRA’s
Beneficiary IRA’s
SEP IRA’s
SOLO K’s
Trust Accounts
Joint Tenant Accounts
Individual Accounts
529 Accounts
Coverdell ESA’s
UGMA Accounts
Planning for the Future
We offer a variety of individual accounts that can help you reach your goals for retirement, education expenses, or large purchases. Many of these accounts have unique tax advantages.
Corporate Solutions
For Companies & Their Employees
401(k) Plans
Defined Benefits Plans
SIMPLE IRA’s
Corporate 529 Plans
Key Man Insurance
Group LTC
Customized Portfolios
Investment Management Services (through LPL Financial)
Mutual Funds
Stocks and Bonds
Separate Account Money Management
Alternative Investments (REIT’s, Managed Futures, Variable and Fixed Annuities, Structured Notes)
Family Protection
Protect What You Love Most
Life Insurance Analysis
Wealth Replacement
Disability Income
Long Term Care
Frequently Asked Questions
How do I start building a financial plan?
A comprehensive financial plan begins with understanding your goals, current financial situation, and long-term priorities. Key areas often include cash flow, retirement planning, investment management, tax strategies, risk management, and estate planning. A personalized plan can help create a roadmap designed to support both short-term and long-term objectives.
How can a financial advisor help me pursue my financial goals?
A financial advisor can provide guidance across many areas of your financial life, including investment management, retirement planning, tax-efficient strategies, estate planning, and risk management. By creating a coordinated approach, an advisor can help align financial decisions with your personal goals, values, and vision for the future.
How do I prioritize competing financial goals?
Many individuals and families balance multiple priorities at once, such as retirement savings, education funding, debt reduction, major purchases, and wealth preservation. A financial plan can help evaluate trade-offs and develop strategies for pursuing multiple goals simultaneously without losing sight of long-term objectives.
What is diversification and why does it matter?
Diversification involves spreading investments across different asset classes, sectors, and investment types to help manage risk. While diversification cannot guarantee gains or prevent losses, it may help reduce the impact of market volatility and support a more balanced investment strategy.
How do I choose the right investment strategy?
Investment strategies should reflect your financial goals, time horizon, risk tolerance, income needs, and overall financial situation. A personalized approach can help ensure your portfolio remains aligned with your objectives while adapting to changing market conditions and life events.
Should I invest during periods of market volatility?
Market fluctuations are a normal part of investing. Making investment decisions based solely on short-term market movements can sometimes derail long-term plans. Maintaining a disciplined investment strategy aligned with your goals may help you stay focused during periods of uncertainty.
How do I balance saving for retirement and college expenses?
Many families face the challenge of funding multiple goals at the same time. A comprehensive financial plan can help evaluate retirement needs, education funding options, cash flow, and investment strategies to develop an approach that supports both priorities.
Do I need an estate plan?
Estate planning is important for individuals and families who want to protect assets, provide for loved ones, and ensure their wishes are carried out. Depending on your circumstances, an estate plan may include wills, trusts, beneficiary reviews, powers of attorney, and healthcare directives.
What financial steps should I take after a major life change?
Life events such as marriage, divorce, retirement, career changes, the loss of a loved one, or receiving an inheritance can significantly impact your financial plan. Reviewing your investments, insurance coverage, beneficiaries, tax strategies, and long-term goals can help ensure your plan remains aligned with your current needs.
How often should a financial plan be updated?
Financial plans should be reviewed regularly and updated as circumstances change. Major life events, changes in income, market conditions, tax laws, and evolving goals may all warrant adjustments to help keep your financial strategy on track.