Financial Advice & Consulting
We provide personal, customized wealth management for high net worth clients and those building a plan for a high net worth future. Our services include investment management, retirement planning, estate planning, tax planning, education funding and planning, insurance advice, and fee based financial planning. Our personal planning approach combined with the services of LPL, the largest U.S. independent brokerage, and an easy-to-use online platform provides our clients with the personal attention, horsepower and access they require.
Financial Planning for Individuals
Our comprehensive upfront planning process is ideal for individuals. We meet with our clients face to face to understand their specific needs and circumstances then develop a personal, customized overall wealth management plan. Individual plans may include investment planning, retirement planning, estate planning, tax planning, education funding and planning, insurance advice, and fee based financial planning. We also specialize in working with individuals that own small businesses and need to manage the personal and business aspects of their overall financial picture.
Financial Planning for Businesses
As a registered investment advisor and owner of an S corporation for 13 years, I understand the taxation, administration and planning concerns of small business owners. For this reason, we specialize in working with business owners who desire a comprehensive approach for all aspects of financial planning for both personal and business needs.
After a thorough risk and long term goal assessment, we will build an unbiased and balanced portfolio that is customized to your needs. As an independent financial advisor, we have access to in-depth third party research and a full array of investment vehicles.
Retirement planning is a core component of a sound, long-term financial plan. We concentrate on helping our clients prepare for the retirement lifestyle they desire. Leveraging a variety of tools and strategies, including IRAs and 401ks and integrating the full financial picture, we work with our clients to reduce downside risk, participate in market gains and optimize for retirement in a tax efficient manner. And to ensure my clients have access to the latest retirement planning tools and techniques for creating crucial long term retirement income, I am working on the newly introduced American College Designation, Retirement Income Certified Professional or RICP.
401k plan rollovers are an important element of your overall financial and retirement plan and we offer recommendations for your 401k rollover based on your personal needs and objectives, not based upon a formula. We offer a range of options, including IRAs and Roth IRAs, and manage this as a part of your overall wealth management and retirement planning process. This includes a focus on the long term and managing future tax implications.
I have been a licensed agent for insurance since 1989 and I am currently licensed for property, casualty, life and disability insurance. We provide an audit of your needs and existing coverage and premiums and then provide recommendations for life insurance, disability and long term care. We assist clients in keeping insurance updated and staying current with changes in the laws and rates to best optimize their position. We understand how important it is to plan for the future and will create a plan that provides clients and their families confidence and peace of mind.
Depending upon objectives and risk tolerance, annuities may be an option in the overall financial plan. If you currently have annuities or are interested in how they work, we will incorporate these questions in your financial planning process.