Our Products & Services

We believe in earning your trust by taking the time to get to know you - your values, priorities and objectives. This allows us to create a personal financial plan tailored to you and only you. We surround you with financial professionals who coordinate all the parts of your life and provide support wherever you need it.

With the expertise of time-seasoned advisors, in four distinct disciplines, we strive to fully understand client financial circumstances and identify their needs.

We carefully seek to craft sound financial strategies to help our clients' goals of realizing their important personal and business objectives.  We offer the following products and services to assist you in meeting your goals:

Investments

  • Managed Investment Accounts
  • Corporate and Municipal Bonds
  • Common Stock
  • Educational IRA
  • Traditional IRA
  • Roth IRA
  • SEP IRA
  • Simple IRA
  • Brokerage Accounts
  • Treasury Bills
  • Government Securities
  • Treasury Notes
  • Variable Annuity

Financial Planning

  • Retirement Planning
  • Tax Planning Strategies
  • College Funding Planning
  • Estate Planning Strategies
  • Risk Management
  • Business Owner Planning

Investment Planning

  • Discussions and/or work concerning asset allocation (may include the use of PRT [Portfolio Review Tool] for analysis or other  approved software)
  • Risk and reward (risk tolerance analysis)
  • Diversification Strategies
  • Analysis and research in individual securities
  • Investment policy statements

Cash Flow/Budgeting

  • Creation of personal or business budget
  • Explain various components of cash flow (income, taxes, expenses)
  • Emergency fund planning
  • Savings strategies
  • Debt management strategies
  • Personal financing strategies

Business Planning

  • Cash flow discussion
  • Retirement Planning 
  • Succession Planning
  • Cash management
  • Employee Benefits Planning
  • Financing strategies
  • Business use of insurance discussion
  • Intra-family and other business transfer techniques

Insurance

  • Disability Income Insurance
  • Life Insurance
  • Long Term Care Insurance

Tax Planning Strategies

  • Identifyng potential 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, statement of CF [Cash Flow], pro forma statements
  • Discuss and educate on employee stock options basics, ISOs [Incentive Stock Options], NSOs [Non-qualified Stock Options], planning strategies, etc.
  • Tax implications of various stock plans - Restricted, phantom, SARs [Stock Appreciation Rights], ESPPs [Employee Stock Purchase Plans] 
  • Non-qualified deferred compensation programs
  • Income taxation of life insurance and annuity products
  • Investment cost basis research and reporting