Our Services
There are many financial products in the market, so choosing the ones that best meet your needs can be complicated. Informed decisions about the products in any portfolio are best made after an assessment of individual needs. After meeting to do this, you will be better informed when the time comes to choose products & services and select those tailored to your unique situation.
Products and services include:
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401(k) Retirement Plans & Individual Retirement Accounts (IRAs)
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529 Qualified tuition plans
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Annuities
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Mutual Funds
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Certificates of Deposit (CDs)
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U.S. Treasury Securities
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Group Retirement & Savings Plans
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Simplified Employee Pension Plans (SEPPs)
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Qualified Retirement Plans (QRPs)
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Additional retirement savings plans designed specifically for employee groups
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Life Insurance
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Long-Term Care, Disability & Critical Illness
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Health Insurance Group Health Benefits
Investments
Investments are one way to offer choices to an individual during retirement years. Primarily we use mutual funds due to their diversification & low initial investment.
Insurance
Insurance is a common way people help to minimize risk by transferring their own risk of death, disability, or illness onto an insurance company. Insurance is an important tool to provide protection to families.
Retirement Planning
Retirement planning today has taken on many new dimensions that never had to be considered by earlier generations. For one, people are living longer. A person who turns 65 today could be expected to live as many as 20 years in retirement as compared to a retiree in 1950 who lived, on average, an additional 15 years. Longer life spans have created a number of new issues that need to be taken into consideration when planning for retirement.
Having assets, to provide some level of income during retirement, add choices and flexibility to your retirement. Starting early facilitates the accumulation of assets and could reduce the amount of funds that must be added to a retirement plan to obtain your goals. Each retirement plan should be custom tailored to your specific needs and goals.
For more information on retirement income needs and income sources, please contact us today.
Managing Your Finances
Managing your finances is an important component to any financial security plan. Along with the protection offered through insurance and the goal-setting provided by investment choices, money management strategies help you manage your savings on a daily basis.
From mortgage payments to tax savings, we can help you manage your money as effectively as possible, given your personal situation.
For Individuals
- Saving
- Tax Planning
- Estate Planning
- Mortgages
For Businesses
- Financial Planning for Business Owners
- Business Succession Planning
Asset Allocation
Asset allocation is the process of selecting a mix of asset classes that closely match an investor’s financial profile in terms of their investment preferences and tolerance for risk. It is based on the premise that the different asset classes have varying cycles of performance, and by investing in multiple classes, the overall investment returns will be more stable and less susceptible to adverse movements in any one class.
All investments involve some sort of risk, whether it’s market risk, interest risk, inflation risk, political risk, currency risk, liquidity risk or tax risk. An individualized asset allocation strategy seeks to lessen the risks of any one asset class through diversification & balance.
Learn more about asset allocation by contacting us today.
Business Success Planning
The death of a partner or major stockholder in a business can have devastating effects on both the business & the deceased partner’s surviving family. The business is concerned with gaining control of the deceased partner’s interest at a fair price so that it can continue operations without interference from the surviving family members. The family members are most concerned with receiving as much money as possible for their interest in the business and for capital that may be needed for estate settlement purposes. There is an absolute need for a written agreement between the owners & stockholders as well as a need for buy-sell agreements.
Charitable Giving
Everyone has their own reason for gifting their assets or a portion of their income to charitable organizations. Some find comfort in helping others who are less fortunate, while others simply want to share their good fortune. Many of the institutions of art, sciences & education are supported in large part by those who want to give something back in appreciation for their contributions to the community or the individuals themselves.
Presently, the tax code offers incentives for gifting of one’s assets or incomes. Tax deductions are given for current contributions and, for estate owners, charitable gifts can reduce the size of the estate to help minimize estate taxes. To name a few, these can include Charitable Remainder Trusts, Unitrusts, Annuity Trusts, Pooled Income Funds, and Charitable Lead Trusts.