Our objective is to help you achieve financial security. We help you make smart choices about your money so you can bridge the gap between where you are now and where you want to be.

We conduct an in-depth interview designed to focus on your goals and dreams. We provide a thorough audit and analysis of your present financial situation. We then design a plan that coordinates all of your assets into a cohesive systematic strategy. This plan will encompass your insurance, investments*, estate analysis, education funding and retirement planning. It focuses on the specific areas of creating and growing wealth, protecting and preserving wealth, planning for the distribution of wealth in the most tax-advantaged manner during life, and planning for the distribution of wealth in the most tax-advantaged manner at death.

Overview of focus areas:

• Investments*:
  We provide a thorough review of your overall investment portfolio to ensure that it coincides with your objectives, risk tolerance and time horizon. We review your portfolio in terms of asset allocation and diversification. We create and implement a portfolio designed to help you achieve your goals. Prudent changes to existing investment portfolios may be recommended.

• Financial Planning:
  Following an analysis of your objectives and current situation, we recommend a course of action designed to meet your needs for protection, accumulation, retirement and estate planning. At your request, we work with you to implement the plan of action.

• Insurance:
  We prepare a comprehensive analysis of insurance plans in terms of adequacy and cost effectiveness. This includes a review of the ownership and beneficiary designations on policies to coordinate them with your overall estate plan.

• Business and Estate Planning**:
  We review the status of your business and estate planning arrangements. We assess your needs for life and disability insurance. We work with your legal and tax advisors to recommend options designed to minimize estate taxes and implement an estate plan.

• Retirement Plan Design:
  We help businesses select the appropriate retirement plan. We handle the installation and communication of the plan to the employees.

• Executive Compensation Plans:
  We design and implement fringe benefit plans that can help attract and retain key employees. These include salary continuation plans, deferred compensation programs and split dollar life insurance.

• Employee Benefit Plans:
  We evaluate your group benefit plans to determine if comparable benefits can be obtained at a lower cost. We offer coverages for group life, health, disability, vision care.

** Estate planning services are provided working with your estate planning attorney, tax attorney, and/or CPA. Consult them for specific legal/tax advice.