How We Can Help
Financial Planning
We have the knowledge, credentials, and resources to help you take a comprehensive view of your finances and plan a holistic approach to managing them to best meet your long-term goals. Financial planning is an ongoing process designed to provide timely advice as your life changes and evolves.
Financial planning follows a 6-step process:
Step 1: Understand your unique financial goals and objectives.
Step 2: Gathering as much data as possible to develop your personal plan.
Step 3: Analyze your current financial situation based on the data you provided. From there we'll develop a comprehensive and holistic solution.
Step 4: We'll review this plan together and discuss recommended strategies.
Step 5: Plan implementation. We'll also further discuss potential products and recommendations that could help you attain your goals and objectives.
Step 6: Always monitoring your plan and making updates based upon changes to your goals, objectives, and life changes.
This is an ongoing financial planning relationship will cover many areas such as Retirement Planning, Tax Planning Strategies, 401k Planning, 403b Planning, 529 College Savings Plans, Estate Planning Strategies*, Money Management, Profit Sharing Plans, and more.
Investment Management
Investment management operates through a comprehensive process that begins with thoughtful asset allocation. Recognizing the importance of diversification, investments are spread across various asset classes to ensure long-term success. By carefully assessing risk and return characteristics, our aim is to optimize portfolio performance.
To cater to specific objectives and cash flow requirements, we create customized model portfolios. We take into account factors such as performance targets, tax considerations, and risk tolerance, tailoring each portfolio to suit individual needs. This personalized approach ensures alignment with a client's goals and preferences.
Through our comprehensive investment management process, which encompasses asset allocation, investment selection, portfolio customization, and cost optimization, we aim to provide our clients with a well-rounded approach that maximizes returns, manages risk, and aligns with their unique financial objectives.
We can help with Bonds, Common Stock, Educational IRA, Brokerage Accounts, Traditional IRA, Roth IRA, SEP IRA, Simple IRA, Treasury Bills, Government Securities, Treasury Notes, Variable Annuities
Insurance/Protection Planning
Protection Planning is about preparing for the unexpected. A thorough protection review can help protect your income and assets in case of illness, injury or worse. You're also protecting your legacy and providing protection for the financial situation of your loved ones. Under the umbrella of protection planning, you have many different options to consider.
Life Insurance: We all hope to live a long and healthy life, but the unfortunate reality is that we don't know when our time will come. That's why it's essential to have life insurance - so that your loved ones can be taken care of financially if something happens to you.
Disability Insurance: Having disability insurance provides you with financial security. It assures that you will have some income even if an injury or illness prevents you from working. It's important to understand the different types of coverage, terms, and benefits associated with disability insurance to make an informed decision.
Long-Term Care: Most people don't think about long-term care until they or a loved one needs it. But preparing for the potential of long-term care is essential to an overall protection plan. This primarily includes personal and medical care services for people with chronic illnesses or disabilities.
Group & Individual Health Insurance: Together, we will review your current health insurance options with your employer. We will check whether your employer provides coverage in retirement and how much those costs would look like annually.