Services

This is perhaps the cornerstone of financial planning. We can make sure you are spending the right amount given your income and can also make sure that you aren’t going into debt. If you are in debt, we can help get you out. 

  You presumably want to stop working in the future. Retirement planning services help you prepare for that day. Making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably.  When to initiate Social Security benefits.  Managing assets before and during retirement.

 We help with your investment portfolio by mapping out how much you should be investing and in which types of investments. This can include stocks, bonds and mutual funds. Determining your proper asset allocation. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach and exceed your goals.  

  Estate planning seeks to make things a bit easier for your loved ones after you pass. We can review your wills and trusts, help with beneficiary designations, and reduce exposure to estate taxes and probate costs. We will also coordinate with your tax and legal advisors or assist in finding them for you.

 We can help you evaluate your insurance needs and review your existing insurance policies. Recommending policy changes when appropriate. Finding the best policy for your situation. This includes Term Life Insurance and Long-Term Care Insurance. 

 If you have children or other dependents who wish to pursue an education, you may want to help them pay for it. We can help make sure you are able to do so by recommending investment and accumulation strategies. 

 We can help address certain tax issues and figure out how to maximize your potential tax returns and minimize tax liability. We can also refer you to qualified tax specialists.