Financial planning can help you:                                                              

• Determine the purposes for which you need to invest and save.
• Decide how much you need to invest and save.
• Determine your needs for growth and income.
• Analyze cash flow and income generated by your investments.
• Control the level of risk you take to achieve your goals.  
• Assess if your goals are realistic.

Every successful retirement starts with the right partner and plan to achieve your goals. 

Your goals are unique, and that's how we advise you. But why would you choose to work with us? 

Here are six reasons to consider:

1. We're Fiduciaries

We are legally obligated to only give you advice that’s in your best interests. Even if you don’t work with us, make sure you work with a full-time fiduciary.  

2. Fee-Based

Being fee-based means our economic interests are aligned with yours. If you are successful, we are successful. It also means you aren’t tied up for years in complicated products, and you are not obligated to stay with us.

3. Retirement Focused

We help people retire well. While we have many clients that are not yet near retirement, and many others who could retire at any time but choose not to, we focus on helping you prepare for life after you’ve stopped working full-time. 

4. Our Advisors are not Salespeople

We have a team approach to advising, which means our advisors not only don’t compete, they actually work together to help you thrive. 

5. We Give Honest, Direct Advice

We believe that plain-spoken, direct advice will better help you reach your goals.  

6. Education Driven

We offer free education on important topics to help you make informed decisions. Read our articles, watch our videos, and come to our live events. There’s no obligation. If you like what you see, you can contact us at any time.

Your concerns are our concerns, and we will only give you advice that will help you reach your investment and retirement goals. 

We work together to discuss the right types of accounts for you and your family. We will consider all the options, and discuss the importance of financial aid in making your decisions. Together we can find a plan that works best for you and your growing family! 

Every comprehensive financial plan MUST include Estate Planning. Often times people spend all their time and efforts on planning for retirement and don’t even consider what happens to those assets after they die. 

No one likes to have those difficult conversions, but they are arguably some of the most important conversations to have. We are here to assist you, not only to build those Estate plans, but also facilitate those conversations with your loved ones. It is so important for them to know what to do, and how to do it if something happens to you. 

Look, we get it, no one likes to pay more in taxes than they have to.  Many clients are pleasantly surprised to find out that there are tips and tricks that can be used to save you more money when it comes to taxes. 

As part of our overall financial plan, we will analyze your tax situation and offer any suggestions to cut your taxes and save you more money! 

Life insurance may be one of the largest assets within an estate – whether owned by an individual or business, or whether it’s part of an overall estate plan. Even so, it is an asset that is generally not evaluated, reviewed or appraised on a consistent and comprehensive basis. We believe that some life insurance policies can be improved upon once a thorough and detailed analysis has taken place. The following changes have occurred in the life insurance marketplace in recent years that require ongoing monitoring and maintenance of existing policies:

• There have been changes in the way life insurance is designed, priced, and medically underwritten.
• Life expectancies have grown, and thus internal insurance costs have come down.
• More favorable medical underwriting classes are now offered by some carriers.
• Some medical histories are rated at better risks due to the improvement in medicine and longevity.
• Interest rates and dividend crediting rates may not be performing as originally illustrated.

Disability insurance is a type of coverage that replaces a portion of your monthly income if injury or illness prevents you from working. It provides financial security for you and any loved ones who may depend on your most valuable asset — your ability to earn a paycheck.

PROTECT YOUR BIGGEST ASSET: YOUR INCOME.

Get a personalized disability insurance policy designed to help protect your income if the unexpected happens.

A long-term care insurance policy helps cover the costs of that care when you have a chronic medical condition, a disability or a disorder such as Alzheimer's disease. Most policies will reimburse you for care given in a variety of places, such as: Your home. A nursing home. An assisted living facility.

Long-term health care is generally not covered by medical insurance, by Medicare supplement plans or group / employer insurance. For seniors on Medicare, the long-term care benefits are quite limited.

Request a free, no-obligation cost comparison today. Costs for long term care insurance can vary significantly from one long term insurance company to another.