Investment Services

529 Plans, Education IRAs, UGMAs and Coverdell ESAs

There's no denying the benefits of a college education: the ability to compete in today's competitive job market, increased earning power and expanded horizons. It's important to start a college fund as soon as possible, because next to buying a home, a college education might be the biggest purchase you ever make.

The more you save now, the better off you'll likely be later. If you invest regularly over time, you may be surprised at how much you can accumulate in your child's college fund.

Retirement Plans (Pensions, 401ks, 403bs, etc.), Defined Benefit Plans, Executive Compensation, IRAs and Annuities

You may have a very idealistic vision of retirement-doing all of the things that you never seem to have time to do now. But how do you pursue that vision? Social Security may be around when you retire, but the benefit that you get from Uncle Sam may not provide enough income for your retirement years.

To make matters worse, few employers today offer a traditional company pension plan that guarantees you a specific income at retirement. On top of that, people are living longer and must find ways to fund those additional years of retirement. Such eye-opening facts mean that today, sound retirement planning is critical.

Asset Allocation, Diversification, Risk Assessment, Tax Consequences and Portfolio Strategies

Why do so many people never obtain the financial independence that they desire? Often it's because they just don't take that first step—getting started. Besides procrastination, other excuses people make are that investing is too risky, too complicated, too time consuming and only for the rich.

The fact is, there's nothing complicated about common investing techniques, and it usually doesn't take much time to understand the basics. The biggest risk you face is not educating yourself about which investments may be able to help you achieve your financial goals and how to approach the investing process.

Fiscal Wellness and Financial Healthcheck

Do you ever wonder where your money goes each month? Are you unsure if you will be able to handle an unexpected life expense should one occur? If so, establishing a budget can help you keep track of how you spend your money and help you pursue your financial goals.

In times of crisis, you don't want to be shaking pennies out of a piggy bank. Our advisors are here to help make sure that you have a plan in place to help you navigate a financial emergency.

Asset Protection, Long Term Care Insurance, Life and Disability Insurance, Business Coverage Options and much more...

Finding the right insurance to make sure that you, your family and your valued assets are protected can be a complex task. Your insurance needs will depend on a number of factors, including the size of your family, the nature of your financial obligations, your career stage and your goals.

We're here to help simplify the process and make sure you get the coverage that meets your unique needs at the best possible value.

Will Planning, Trust Planning, Intergenerational Wealth Transfers, Charitable Giving and Family Limit Partnerships

By definition, estate planning is a process designed to help you manage and preserve your assets while you are alive, and to conserve and control their distribution after your death. But what estate planning means to you specifically depends on who you are.

Your age, health, wealth, lifestyle, life stage, goals and many other factors determine your particular estate planning needs. We can work with you to implement a plan that meets your goals and objectives.