Our Services

Having choices is important in investing.

We believe that as our clients lives evolve, their investments should as well. Since we are independent advisors, we are able to offer an extensive array of investment options and financial services..

CLICK ON THE INDIVIDUAL LINE ITEMS BELOW TO LEARN MORE.

  • Working with a financial advisor to map a comprehensive, thoughtful retirement strategy and keeping it on track is essential to your future well-being. We help you define specific financial goals by reviewing your financial situation in depth, taking into account your income, assets and liabilities, current portfolio, risk tolerance and investment time horizon. Your goal should be to begin building up enough assets to provide adequate income to meet your needs throughout retirement. To accomplish this goal, you need a plan.

  • Remaining sensitive to the changing needs of our clients, we keep a watchful eye on today’s complex financial marketplace. We offer a comprehensive selection of investment alternatives to help meet clients’ evolving needs. We provide objective information and unbiased advice because we are not required to sell specific products; we have the freedom to help you select the investments that are right for you.

  • Once you’ve retired, managing your money becomes more important than ever. During your retirement years, your personal goals and situation — as well as the economic environment — are likely to shift. These changes require careful scrutiny, perhaps resulting in adjustments related to your goals, your portfolio or both.

    We can work with you to regularly review and reassess your portfolio to give you confidence that your portfolio is appropriately balanced between growth-oriented investments and income-focused assets.

  • During your working years, we can help you consolidate and get control of your retirement plan assets. In your retirement years, we can develop a strategy to help you with your Required Minimum Distributions. We can help you develop a withdrawal strategy to maximize your income for retirement.

  • Although it is best to start the college investment process when your child is young, it is never too late to begin. No matter your child’s age, what’s important is that you plan now. It is easy to put off thinking about these expenses, hoping that your child will receive scholarships or financial aid. But don’t count on them. While these awards do help with college funding, they are not guaranteed, not always comprehensive and not available to everyone. With many new college savings alternatives available, it is critical to choose the one that’s appropriate for you. Selecting the wrong plan – or not investing properly within the right one – can prohibit you from maximizing your savings. However, with the help of our experienced guidance, choosing the right alternative can be easy. Your child’s education is important to you. And because of that, it’s also important to us. We listen to your objectives and provide personalized solutions to help you reach them. By putting your investment needs first, we can help you properly plan for a bright future.

  • Insurance helps protect you from the unexpected; it plays a crucial role in your comprehensive financial plan. We provide a wide array of quality insurance alternatives that can offer an important layer of safety for you, your family and your business.

    Life Insurance

    We understand the importance of your family and believe you are our first priority; we want to help ensure the financial well-being of those you love most. We can help you navigate the complex options today for your life insurance needs.

    Long Term Care Insurance

    The most pressing financial concerns of many people tend to revolve around providing for their families, assuring adequate retirement income and preserving their estates for the future. However, few people consider what would happen to their families, themselves and the assets they have worked so hard to accumulate over the years if they were to require long-term care due to a prolonged illness or disability. As with any type of insurance, the purpose of long-term care protection is to safeguard individuals and their assets against catastrophe.

    Annuities

    Annuities Combine Preservation with tax-advantaged growth opportunities. We offer a wide range of investment alternatives and services, including a variety of variable, fixed, indexed and immediate annuities. Purchasing an annuity can be complex. It is important to evaluate how a particular annuity and its features fit your individual needs and objectives.

  • A 401k retirement plan is a special type of account funded through pre-tax payroll deductions. The funds in the account can be invested in a number of different stocks, bonds, mutual funds or other assets. Deciding which 401(k) arrangement is best for your organization – and then maintaining the plan – can be a challenge. That’s where we can help. Our goal is to work with you to determine the best approach for your business and then identify the plan that best meets your company’s unique needs. Since we have no obligation to offer proprietary 401(k) products, we offer truly objective advise.

  • Can be a major part of a Business Succession Plan and there are two types. Under an entity agreement, the business enters into an agreement with each owner; on the death of an owner, the business will buy the business interest of the deceased partner or redeem the stock. The firm carries life insurance on each owner, with the business as the beneficiary.

    Under a cross-purchase agreement, each partner is the owner of the insurance policy on the life of the other partner. This type of agreement typically works best with a small number of partners.

    One difficult aspect of a buy-sell agreement is determining the purchase price at which the business interest will be bought and sold. It is not uncommon for a business to increase in value over time, thus, it is important to revisit these policies periodically.

  • Your chances of being disabled for longer than three months maybe greater than your chances of dying prematurely, due in part to medicine that has made many fatal illnesses treatable. Although this is good news, it increases your need to protect your income.

  • Businesses rely on the knowledge and skills of all their employees. Certain employees, however, may play a greater role in the business, or have special abilities that can make it more difficult to replace them in the event of their untimely death. A key employee usually cannot be replaced immediately; in some cases the search, screening and hiring process can take some time. Once the replacement is hired, there can be a trial period and time needed for training. The financial loss to the business can be measured by the cost of replacement, training and the lost productivity during this time. A life insurance policy owned by the company (insuring the life of their key employee) would help protect the company from this loss. Guarantees are payable by the issuing insurance company