Our Services Our Services Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success. Planning ServicesFinancial PlanningWealth ManagementRetirement Income PlanningEstate Planning StrategiesCharitable Giving StrategiesProtection Planning (through life and disability insurance)Legacy PlanningInvestment ServicesWe begin by getting a clear understanding of your overall financial goals and your goals for each investment account. We discuss your investment preferences and concerns, your attitudes toward risk and your time frame for the assets in each account. To implement your various investment strategies, we'll work with you to build appropriately diversified portfolios, with access to the following:Individual Stocks and Bonds*Fee-based Managed AccountsMutual Funds and ETFsFee Based Financial Planning ServicesIRAs, Roth IRAs529 PlansFixed and Variable AnnuitiesAlternative Investments: various REIT & Energy offeringsInsurance ServicesWe discuss with you your general attitudes toward risk, underline various risks and review the numerous options to manage and / or mitigate these forms of risk. We will perform a full policy and beneficiary review, as well as the review of trusts that may own certain policies. We can offer access to the following solutions:Life InsuranceDisability Income ProtectionLong-Term Care InsuranceBusiness Income Continuation, Succession and Estate Planning strategiesEmployee BenefitsWe provide a consultative review of all your employee benefits, looking to ensure that any benefits offered are fulfilling their intended purpose and are the most cost-effective available. We can propose solutions in the following areas:401(k) Plans: Safe-Harbor, Cross-Tested and New Comparability Designs403(b) PlansProfit Sharing PlansSEP IRAsSIMPLE PlansExecutive Deferred Compensation PlansCash Balance Plans: integrated design with Defined Contribution PlansGroup InsuranceHealth and Dental CareLife InsuranceShort Term and Long Term Disability Income coverageLong Term Care insuranceCollege Savings PlanOne financial goal that most parents share is a college education for their children. With college costs increasing at a faster rate than general inflation, saving for college can be a daunting task. You can, however, pursue this important financial goal by establishing a college fund and taking action today.529 Savings PlanCoverdell Education Savings AccountTax-Deferred Plans*General securities are offered on an unsolicited basis.