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Plan for Tomorrow

Live for today

Live for today

Let us help you plan for the future.


Individual and Business Services

Individual Services

Investments, Investment taxes, insurance, estate planning: the list of financial concerns and considerations facing you today is seemingly endless. And there are no easy answers.

I am in the business of helping my clients meet all their financial challenges. I do this by using a total wealth management approach. Each area is important individually, but managing them all collectively is one of the most important considerations in your overall financial success.

The field of financial planning can be very wide in scope, covering many different areas. Sound financial planning is essential and can be broken down into three areas: Accumulation, Protection, and Wealth Transfer. We address all three areas of sound financial planning and offer all the services listed below:

  1. Accumulation and Distribution of Personal Assets 
    • Comprehensive IRA Planning (Roth, Rollover, and Traditional IRAs)
    • Roth IRA planning and strategies: contributory Roths, Roth IRA conversions, Stretch Roth IRA Planning.
    • Traditional IRAs, 72-T distributions, IRD planning for inherited IRAs, RMD planning, Stretch IRA (extending and leveraging tax-deferral for your family).
    • Investments: Stocks, Bonds, Mutual Funds (ETFs), REITs, Alternative Investments
    • College Funding: 529 Plans, Coverdale IRA, Roth IRA, Life Insurance/Annuity combinations, gifting
    • Annuities: Variable Annuities, Equity Index Annuities (EIAs), Single Premium Immediate Annuities (SPIA), Fixed Annuities
    • Protection - Protecting and preserving your assets for the future
      • Life Insurance: Term Insurance, Universal Life, Equity Index Universal Life, Variable Universal Life, Whole Life, Irrevocable Life Insurance Trust (ILIT), Second to Die policies, assistance in Life Insurance settlements
      • Disability Insurance: Individual disability programs, Executive disability programs, Key Person disability programs
      • Long-Term Care Planning
  2. Retirement and Estate Planning - Utilizing sound estate preservation and wealth transfer techniques, products, and strategies.
  • Tax-efficient accumulation and distribution of your retirement assets.
  • IRA strategies and consultation - There are a variety of IRA strategies to help prevent or reduce potential problems inherent in IRA's, 401(k) and other tax-qualified plans that could cost your estate thousands of dollars in taxes.
  • Help  in protecting, preserving, and leveraging your assets for your family by utilizing planning strategies.

         3. Specialized Planning Services

  • Professional Records Organization (Pro-System)  a comprehensive tool to assist you and your family with planning and organizing your financial, legal, and personal documents.This serves is a critical link to educate, inform and transfer important information to your family and business advisors.
  • Social Security Maximization - Using proven strategies to maximize individual, spousal and family benefits.
  • Retirement Income Planning - Creating an efficient draw down sequence that coordinates your investable assets with your Social Security. This approach can potentially reduce or eliminate taxes on Social Security, Medicare Sur Charges, Ordinary Income,Capital Gain, Dividends and AMT (Alternative Minimum Tax). 
  • Goal Based Financial Planning - Using the Money Guide Pro Web Based Client Centered System to help reach your financial and retirement goals.


Business Services

Value-Driven Financial Planning - Keeping Your Business Ahead of the Competition

  • Does being able to bonus your key people with a tax-deferred investment strategy and give your company a tax deduction appeal to you?
  • Does your company have special incentives to keep key personnel (Golden Handcuffs)?
  • How about special benefits for potential employees that their current employer may not offer? Let me show you how to carve out a special benefit (dangle the carrot) to get that potential employee!
  • If one of your key people were to become sick, get hurt, or pass away, it will cost your company money. Would you want to be reimbursed for this loss?
  • Does your current financial advisor give in-house seminars on investing, college planning, estate planning, trusts/wills, etc.? This is one of my value-added service.

Business-Owner Financial Planning – Review of Your Benefits and help Protecting Business Interests

  • Tax-qualified retirement plans - 401(k), Simple IRA, Sep IRA, Defined Benefit 412(I) etc.
  • Executive Benefits - Compensation (Non-Deferred), Disability Income, Long-term care, Life, etc.
  • Managing business continuity-buy/sell arrangements, executive and key employee programs.

No strategy assures success or protects against loss.