Whether you're a young professional or nearing your golden years of retirement, navigating the future is a daunting task. Markets seem to feel more volatile and financial markets constantly changing. At every turn, new risks pop up and life can feel uncertain and scary. Our experience has shown us that we must plan for is the Certainty of Uncertainty. 

Through financial planning we can help alleviate the majority of your concerns. We can help provide answers and solutions to essential questions whether it's investment or risk management or business and succession planning. We can model out decisions and scenarios to help you see future outcomes and help with the most important decisions. 

We work with our clients to build a custom plan to help maximize your retirement income. We like to focus on teaching our clients the importance of utilizing different types of accounts that will be needed to build your retirement income. Our three tier approach focuses on monies that are Taxable , Tax-Deferred and Tax-Free. We teach how to utilize different assets together to build an optimal retirement income and we focus on modeling out future income options and combinations of strategies to help you determine the best approach that matches your risk and long-term objectives.

Tax planning isn’t just for the wealthy. Taxes typically represent the single largest expense for most Americans. We make sure you understand the appropriate amount of funding to different accounts you own to reduce your current and future tax burden. Rather than having taxes take a bite out of your retirement income, you can focus on living and enjoying everything you set out to do.

With investment management, it’s true that there are many ways to accomplish someone’s objectives. We believe in active and passive investing while keeping overall costs in check and look to utilize different types of management that best suit your risk profile, age, and/or income objectives. We also look to match your registration type with the appropriate risk profile within your overall allocation for optimal long-term tax outcomes.

• IRA
• IRA Rollovers
• Roth IRA
• Brokerage
• Variable Annuities
• Fixed Annuities
• Simple IRA
• College 529 Accounts

We have a team of specialists who evaluate policies and for need, purpose, cost effectiveness, carrier strength, and appropriateness of the policy type, ownership structure, and beneficiary arrangement. We help you determine if there is a planning gap and understand what is needed to fix it and we shop multiple carriers for quotes and illustrations and explain the difference in pricing and contract language while ultimately providing a recommendation based on your scenario. We offer all types of life insurance solutions, disability income and long-term care solutions. We are also well versed in different types of cash value accumulating permanent plan designs and help you design and focus solutions that best suit your needs.

• Disability Income Insurance
• Life Insurance
• Cash Value Life Insurance (Advanced Designs)
• Long Term Care Insurance
• Hybrid Long-Term Care Insurance

Much of the value provided simply cannot be lumped into generic categories. We love to act as a sounding board for our clients for many difficult financial questions. Often we find that people hesitate to make decisions because they are uncertain of the future outcome. By helping to map out the scenario with planning, we can help you answer any questions you have: Can I buy a new home or should I rent, should I buy/sell a rental property(s), can I afford to put my kids through private school and stay on track for retirement, what is the best approach to selling my business, etc. Whatever it may be, we can show you the potential results and help you with making an informed decision for an optimal outcome.

We provide consulting in many areas of business. Corporate retirement pan analysis, employee benefits packages, key person planning, deferred compensation planning, executive compensation packages, etc. In addition to that, we do a lot of work with closely held business where they find  the majority of their net worth wrapped up in their business.  They find it difficult to determine if and/or when to exit. We provide you coaching in different areas of your business and help to build a plan for succession planning. We help prepare solutions and strategies for funding and keep this organized and on track for transition.

• Fee Based Business Plan
• Corporate Retirement Plans Analysis / New Plan setup
• Supplemental Benefit Packages
• Executive Benefit Planning
• Key Person Planning
• Deferred Compensation Planning
• Buy/Sell Planning / Funding
• Succession Planning Strategies and solutions