Financial planning

Financial Planning is based upon a proven process to help bring the client's current strategy into better alignment to meet the client's goals by targeting increased returns and reduced risk.

We offer clients comprehensive customized financial planning. Comprehensive planning prepares for most of your major life events: first investment account, birth of a child, saving for retirement, providing care for a parent, through protecting your family and assets if you are not able.

Financial Planning is also provided on a limited scope. We provide topic specific plans: Retirement Income and Tax Management, Life Insurance and Estate plan, and College Cost strategies,

Studies show, people are more confident and secure about their future when working with a Financial Advisor.​

Confidant: your Advisor should be someone you trust, who listens carefully to your concerns, and puts your best interests first.

Efficient: saves you time and energy by deploying their services, resources, and connections on your behalf. And is certain you understand all of the fine print.

Delegate: watches the market and follows money managers while you focus on other important aspects of your life.

Pro-active: anticipates and helps you tackle financial challenges.

Consultant & Coach: helps you stay on target. Helps you stay calm when others are in a panic.

The Planning Process begins with a discussion of your goals, concerns, commitments, and opportunities.

Next is a review of your current financial strategy and position. Financial planning software is used to create a visual presentation of your targets and a plan of action. Research is conducted to find solutions and make recommendations towards your goals.

The Financial Plan and recommendations are presented to help you implement your savings strategy. Your plan is continually monitored for performance and efficiency.

At least once each year we will review your Financial Plan together to make updates and any necessary changes.

We remain available whenever you have a question or a concern.​

We have fee structure in place to fit most budgets. Products that pay us a commission are provided to you at no cost. Such as life insurance, annuities, and health insurance.

Some investment activity, bond purchases and stock trades, will generate a nominal to conduct such transactions. We have access to 1000's of no-cost mutual funds and we look to them first.

For management of a portfolio or retirement account our annual fee is typically one percent of your account value.

Our goal is to always provide the products and services you need by the most prudent and cost efficient means possible.