Services

"Financial Physical" - brief review of current investments, insurance, goals & taxes "Comprehensive Financial Profile" including some or all of the following elements: Discovery - Establishing priorities and concerns Cash Management - Helping establish spending priorities and budgeting Income Taxes - Establishing a plan to reduce, defer or eliminate income taxes Accumulation goals - education purposes and other specific goals Financial independence - establishing realistic retirement goals Investment Profile - Matching concerns with "Asset Allocation", investment style analysis and "Asset diversification" Risk Management - Reviewing insurance needs with regards to wealth replacement, life insurance, long-term care insurance and disability insurance Estate Planning - providing for distributions of assets and minimizing death taxes Business Planning - Employee benefits, executive bonus plans, business continuation and disposition of business Investment Products Available Taxable Products - Mutual Funds, Stocks, Bonds, CD's, Tax Deferred Products - Variable Annuities, Fixed Annuities, IRA's Tax Free Products - Roth IRA's, Municipal Bonds, Variable Universal Life Insurance (VUL) Tax Credits - Housing tax credits