Our Services

We provide a full array of comprehensive personal and business financial services.  Feel free to contact us for a complimentary initial consultation or brief introductory conversation to determine how we might collaborate with you toward achieving your financial goals.

Planning Services

  • Financial Planning
  • Wealth Management
  • Retirement Income Planning
  • Estate Planning Strategies
  • Charitable Giving Strategies
  • Protection Planning (through life and disability insurance)
  • Legacy Planning

Investment Services

We 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 Accounts
  • Mutual Funds and ETFs
  • Fee Based Financial Planning Services
  • IRAs, Roth IRAs
  • 529 Plans
  • Fixed and Variable Annuities
  • Alternative Investments: various REIT & Energy offerings

Insurance Services

We 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 Insurance
  • Disability Income Protection
  • Long-Term Care Insurance
  • Business Income Continuation, Succession and Estate Planning strategies

Employee Benefits

We 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 Designs
  • 403(b) Plans
  • Profit Sharing Plans
  • SEP IRAs
  • SIMPLE Plans
  • Executive Deferred Compensation Plans
  • Cash Balance Plans:  integrated design with Defined Contribution Plans
  • Group Insurance
  • Health and Dental Care
  • Life Insurance
  • Short Term and Long Term Disability Income coverage
  • Long Term Care insurance

College Savings Plans

One 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 Plan
  • Coverdell Education Savings Account
  • Tax-Deferred Plans