Products & Services

Who I Serve

Financial planning is the cornerstone of every conversation I have with a client or prospect. But what is financial planning, and why should you care? 

Financial planning allows us to take a step back and have an open conversation about how to help you reach current and future goals. Your financial plan acts as a guide through life’s transitions and keeps you on track to attain your life and financial goals. 

While we will eventually have open and honest discussions about your current financial situation, first, I want to learn more about you and your priorities. There are several aspects of financial planning. I’ve outlined a few areas below to help answer: “Am I on track?” If so, we may decide to leave everything as is. If not, we will review your investments, tax situation, retirement plan options, and more. 

Financial Planning 

Financial planning provides direction and meaning to your financial decisions. It allows you to understand how each financial decision you make affects other areas of your finances. By viewing each financial decision as part of a whole, you can consider its short and long-term effects on your life goals. You can also adapt more easily to life changes and potentially feel more secure that your goals are on track.


Life Events/Transitions

The Greek philosopher Heraclitus once said, “Change is the only constant in life.” As you look at your financial plan, those words ring true. Transitions that have a more significant financial impact often cause us to pause and take a moment to review your plan. Whether you experience the loss of a spouse or parent, received an inheritance, or are going through a divorce, these are the times it is crucial to review your financial plan. We’ll talk through your new circumstances and intertwine them with your established plan. 

Retirement Planning

Retirement planning is geared toward those three to five years from retirement. We will talk through: 

  • What are you looking for in retirement? 
  • Anticipated retirement date? 
  • Company retirement benefits? 
  • Plans after retirement: A part-time job or travel or both? 
  • Legacy hopes for family and friends? 

Once I understand your retirement dreams, we will put a plan in place to help you work toward reaching your goals. Let’s talk about ways to minimize the financial stress that often accompanies retirement so that you can enjoy the days you’ve worked so hard to get to. 

Retirement Income Strategies 

For folks who are within a year or less from retiring or have recently retired, one of their concerns is whether their money will last through their retirement. Your company benefits and Social Security election strategy can make a difference in the total amount you receive over the life of your retirement. We will review your overall income stream picture and build this portion of your financial plan. 

Insurance Planning

Many people realize that they need life insurance and have opinions about what type of life insurance they prefer. We can help you determine how much life insurance they need and what types or combination of types of coverage are best suited to help them further their own objectives. A well-constructed life insurance policy can be a valuable part of your overall financial security plan. We will help you look at this in the context of your overall financial security plan and help you determine what makes the most sense for your situation.


Tax Planning

Our goal is to work with your tax professional to help you keep more of your earnings after taxes and inflation. Let us help you gain the confidence that comes from knowing you’ve had an experienced financial professional take the time to review your portfolio for factors that can have a big impact on your overall results. Because no matter what size your portfolio is, factors such as over- or under-weighting in various asset classes, less-than-optimum investment vehicles in taxable versus tax-deferred accounts, portfolio overlap and other considerations can seriously impact your returns and influence the amount of risk you may be unknowingly assuming.

Investment & Insurance Products

Mutual Funds
Exchange Traded Funds
Alternative investments
Life Insurance
Life Insurance
Long-term Care Insurance
Disability Insurance

Accounts I Service  

Traditional IRA
Roth IRA
Beneficiary IRA