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How We Work

"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



Common Stock

Educational IRA

Traditional IRA

Roth IRA


Simple IRA

Brokerage Accounts

Treasury Bills

Government Securities

Treasury Notes

Variable Annuity

Financial Planning

Retirement Plans

Tax Plans

401(k) Planning

403(b) Planning

College Plans

Estate Plans

Money Purchasing Plans

Profit Sharing Plans


Disability Income Insurance

Life Insurance

Long-Term-Care Insurance

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you. | (515) 222-0260