Broker Check

Our Mission

The Purpose

To assist individuals and business owners in identifying, and then reaching, their financial goals. To teach, educate, and instruct so that clients are sufficiently informed to make sound investment and risk management decisions.

The Problem

All too often consumers are sold financial products and services based largely upon the sales ability and practices of the financial or insurance industry and their representatives. These decisions to purchase are usually based on an overstated value of the advantages coupled with a poor (if any) explanation of the potential disadvantages to the consumer. The important thing to remember is that all investments and/or insurance products have advantages and disadvantages. It’s merely a question of whether one side outweighs the other with respect to a person’s particular financial objectives and concerns.

In fact, consumers often purchase products such as mutual funds, stocks, bonds, or insurance policies without first determining how such products can help them achieve their personal goals and objectives. Often their trust is blind to such things as sales charges and other expenses. This naturally can be a formula for financial disaster. It’s also very common for people to have executed legal documents, only to leave beneficiary designations named or assets titled improperly. This could greatly reduce the chances that assets will be distributed among their heirs in the manner which was intended.

The Solution

Over the past 30 years in the financial services industry, I have determined the best way for me to serve my clientele is through education. I begin by assisting you to define and establish financial objectives. These objectives may include cash management, risk management, various accumulation goals, retirement, and estate planning.

There are several aspects to financial planning. Some typical financial planning concerns and objectives which I have been trained and educated to assist you with include:

  • Accumulation goals and the various savings or investment vehicles suitable for you in the achievement of these goals
  • Replacement of your income to your family or dependents in the event of your premature death or disability
  • Replacement of your employment income during your retirement
  • The distribution of your assets to your heirs, taking into consideration estate settlement costs and taxes
  • A general discussion of estate planning documents such as a Last Will & Testament, Durable Powers of Attorney for Property and Health Care
  • The selection process for a qualified estate planning attorney for you
  • The selection process of appropriate guardians and trustees for your children, grandchildren, or other potential heirs
  • Accumulation funding and various planning arrangements for the higher education of your children or grandchildren
  • Business continuation concerns and methods for business owners or professional clientele
  • Long-term care concerns and methods of funding for you and/or your spouse
  • Gifting to your family members or charitable giving

We will often be called upon (or may request) to meet with clients’ heirs, trustees, or other financial advisors such as their CPA or attorney in an effort to achieve a structured and coordinated financial plan. We work in a proactive, forward-thinking manner, and provide financial planning clients with detailed annual reviews.

We are available on an appointment basis, preferring Saturdays over weeknights. I meet with all prospective clients on a no cost or obligation basis. During our initial meeting, we will attempt to establish our compatibility and explain any and all costs or expenses associated with our services. Furthermore, we promise that you will never receive a bill or increase in fees without your full understanding and approval.

One of our primary goals is to develop a long-term, trusting relationship with you.

Our Process

Our Process

We create strategies that are tailored to your needs and goals.

Our History

Our History

Years of experience have prepared us to guide you through your life transitions.

Have a Question?

Thank you!