Financial Products and Services Offered

    I serve individuals and businesses in all areas of financial management, including:

Retirement planning

Together, you and I determine how much you need to retire comfortably.  We then implement a strategy of Guaranteed Retirement Income by making the most of your current IRAs, employer-sponsored retirement plans and non-qualified assets such as CDs, mutual funds, brokerage accounts, etc.   Managing assets before and during retirement is essential in order to maximize one’s retirement options.

Tax management

I look for ways to help reduce your current and future tax burden. Sometimes this is as simple as repositioning a taxable asset into a tax deferred one.

Estate planning

When appropriate, I recommend the use of various estate/retirement planning vehicles such as trusts, wills, Power of Attorney's etc. (to be implemented by a licensed attorney) in order to preserve your estate for your intended heirs and reduce exposure to estate taxes and probate costs.

Risk management

I review existing life, long term care and disability insurance policies and recommend policy changes when appropriate. Simply put, I find the best policy for your situation.

Education funding

If there is a need, I will recommend investment and accumulation strategies to help you pay for your children's education.

Investment Planning

I determine your asset allocation needs while assessing and helping you understand your risk tolerance. I will then recommend the appropriate investment vehicles to help you reach and hopefully exceed your goals.

Employee and executive benefits

I will help your business attract and retain qualified employees through benefit packages including Key Man Insurance, Executive Bonus, Deferred Comp, etc.

Business Owners                                                    

I look to protect as well as enhance the interest of business owners utilizing proven, time tested strategies such as buy-sell agreements, business succession planning and exit strategies.