Broker Check


How We Work

Our firm specializes in helping individuals develop sound retirement strategies and businesses create reliable succession plans / employer-sponsored plans. Please take the time to explore our website and the wealth of information we offer. We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.

We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.



Common Stock

Educational IRA

Traditional IRA

Roth IRA


Simple IRA

Brokerage Accounts

Trust Accounts

Treasury Bills

Government Securities

Treasury Notes

Variable Annuity


Disability Income Insurance

Life Insurance

Long-Term-Care Insurance

Buy Sell Agreements

Financial Planning

Tax Planning

Tax Planning

  • Identifying AMT issues
  • General discussion of deductions and income recognition Answer questions about investment tax issues
  • Discuss statement of personal financial position
  • Analyze personal cash flow statement
  • Develop and/or analyze business balance sheet, income statement, cash flow statement, pro forma statements
  • Discuss and educate on employee stock options basics, ISOs, NSOs, planning strategies, etc
  • Tax implications of various stock plans– Restricted, phantom, SARs, ESPP
  • Non-qualified deferred compensation programs
  • Income taxation of life insurance and annuity products
  • Investment cost basis research and reporting
Investment Planning/Asset Allocation

Investment Planning/Asset Allocation

  • Asset allocation analysis (may include use of PRT for analysis or other approved software)
  • Risk and reward (risk tolerance analysis)
  • Diversification analysis Analysis and research on individual securities Investment policy statement development
Retirement Planning

Retirement Planning

  • Retirement needs analysis Retirement plans analysis and education
  • Savings planning to help clients meet their goal
  • Contribution limits planning
  • Retirement plan choices (IRA, SEP, etc.) Employer plans vs. self-directed plans analysis
  • Assist in the coordination of retirement plan service providers, product sponsors, or vendors as a liaison
  • RMD or 72t calculations and analysis Beneficiary designation planning
  • Social Security and Medicare health care cost planning
Estate Planning

Estate Planning

  • General estate planning and gifting strategies
  • General estate tax planning and education of trusts and estates – filing requirements, deadlines, etc.
  • General trust planning and education – types, features and taxation
  • Explanation of estate planning structures/documents – wills, POA, Trusts, etc.
  • Explanation of types and treatment of trust income - accounting, taxable, distributable
  • Sources of estate liquidity planning
  • Ownership titles and titling of assets planning
  • Discussing impact of account and trust beneficiary designations
Cash Flow/Budgeting

Cash Flow/Budgeting

  • Creation of personal or business budget
  • Provide guidance and analysis on cash flow management, budgeting, and emergency fund planning
  • Explain various components of cash flow (income, taxes, expenses)
  • Savings strategies Debt management strategies
  • Personal financing strategies
  • Analysis of personal statement of financial position and statement of cash flows
Business Planning

Business Planning

  • Cash flow analysis
  • Retirement strategies
  • Succession or Exit Planning
  • Cash management
  • Employee benefits planning
  • Financing strategies
  • Business use of insurance analysis Intra-family and other business transfer techniques
Education Planning

Education Planning

  • Discussion of qualified tuition/college saving plans
  • College costs and inflation analysis Individual needs analysis
  • Development of funding strategies
  • Provide direction on ownership of assets
  • Financial aid strategies
  • Gift tax limits and trust usage strategies for education funding
Insurance Needs Planning

Insurance Needs Planning

  • Insurance gap/needs analysis for life, disability, or long-term careInsurance gap/needs analysis for life, disability, or long-term care
  • Health care, including Medicare, expense planningAnalysis and planning for estate liquidity
  • Planning for policy ownership issues and beneficiary designations
  • Asset allocation, diversification, and securities research for variable life and/or annuities (provided advisor is not rep/agent of record)
  • Education on types of insurance, i.e. term vs. permanent, nursing home vs. home care, indemnity vs.  reimbursement
Personal Financial Planning

Personal Financial Planning

  • Determining clients’ financial status by analyzing financial statements, special needs, investments, taxation, employee benefits etc.
  • Stock option planning
  • Discussion of various mortgage options/real estate purchases
  • Advice in change of lifestyle or major life event (Marriage, divorce, children, job, education)
  • Major purchase goal
    analysis and funding options
  • Net present value calculations for comparison purposes including time value analysis (NPV, FVA, PVA, PVAD)
    Importance of saving (dollar cost average, compound interest)
  • Education on mortgage options and financing analysis
  • Provide financial guidance/planning for special circumstances including death, disability, job loss, monetary, windfall, divorce, etc.

For more information about our firm and the services we offer, complete the questionnaire below. We would welcome the opportunity to speak with you.