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Essential Services

Real people have real goals. We never lose sight of that. As a result, we will work with you over the long-term in order to manage investments and motivate you to implement critical financial strategies. Our services span various aspects required to help you get your financial life in order.

Financial Planning

  • Customized financial plan for a flat fee rate
  • Financial planning in focused areas for an hourly rate.

Investment Planning

  • Identify capital, contribution and return requirements to pursue goals
  • Education planning strategies
  • Asset allocation to help reduce risk, enhance rate of return by balancing assets
  • Investment management

Risk Management

  • Reviewing existing coverage
  • Helping clients with game plan for disability, illness, long-term care or premature death

Retirement Planning

  • Planning 401(k), 403(b), IRA and pension distributions
  • Project early or late retirement
  • Minimizing tax liabilities

Employee Benefits

  • Review benefit packages during job transitions
  • Employee Stock Option strategies to minimize risk and taxes

Income Tax Planning

  • Tax-efficent portfolios
  • Roth IRA conversions
  • Relate income tax strategies to other aspects of overall financial plan

Business Services

  • Qualified Plans 401(k), 403(b), profit sharing, deferred comp plans
  • Real estate investment advice
  • Key person insurance
  • Buy-Sell agreements

Estate Planning

  • Strategies to help maximize the amount going to spouses, partners, children and other beneficiaries
  • Charitable giving

 

*Securities and investment advisory services are offered through Cetera Advisor Networks LLC