Our Services/Your Goals We offer the services you need to achieve your financial goals. Goal Planning Identify your life goals, the things you really want to do so that you will have a life that is complete and richly yours Determine the dates funds will be needed to support your life goals Determine and implement actions you could take now to increase your chances of achieving your life goals Retirement Planning  Determine how much money you will need to support your desired life style and goals both before and during retirement. Implementing a plan to generate the income needed during retirement If you are near or already in retirement, determine, implement and monitor a plan that will allow you to meet your retirement spending goals without causing you to run out of m oney pre-maturely. Monitor and revise your retirement plan as needed to accommodate changes in your financial situation and goals. Investment Planning and  Managment Maximize your portfolio’s risk/return relationship by designing an asset class allocation strategy that is in alignment with your personal tolerance for risk, your required rate of return, and your need for liquidity Fill that asset class allocation with securities that offer a high probability of maximizing your returns after all taxes and fees Implement your portfolio in the most tax efficient accounts available to you Monitor and revise your portfolio as necessary to accommodate changes in your personal tolerance for risk, your required rate of return, your need for liquidity and your goals College Planning Assure sufficient college funds are there when you need them Determine the most tax efficient ways to save college funds given your situation and need for liquidity Monitor and revise your college funding plans as needed to accommodate changes in your financial situation and goals. Debt Management Manage debt so that you can pursue your goals without being overburdened by any un-necessary costs for borrowed funds Estate Planning Determine actions you can take now to ensure that upon your death: Your dependents are properly provided for Your property is allocated to trusts in such a way as to minimize estate tax and/or to provide a stream of income to your surviving spouse There is an orderly distribution of your business interests There is sufficient liquidity to avoid forced liquidation of major or sentimental assets to pay creditors The probability of intra-family disputes is minimized Your assets go to the people you want to have them Find a qualified expert to help you create or update your estate plan. Risk Mitigation Protect your financial goals against losses due to death, disability, long-term care, and personal and/or business liability Decide whether or not to keep, delete or replace existing insurance policies in light of your and your dependents needs for capital, your insurance philosophies and your personal tolerance for taking insurable risks Tax Planning Review your tax status (marginal rates, etc.) to see if more tax-efficient products can help reduce your annual income tax liabilities Tracking Progress Periodic financial checkups Second opinions on any aspects of your current financial plan Financial Education for Corporate Employees, Church and Civic Groups Provide seminars on employee benefits such as 401(k) plans, family care accounts, family medical accounts, life insurance, and other personal financial planning issues We are committed to providing timely and objective advice to people from all walks of life. Through the advantages of professional, fee-only planning, we seek to empower our clients to make the best financial decisions possible. Contact Us to schedule a no-obligation meeting today. You don't have to have a fortune to start building one, but you do have to start building ... sometime. Contact Us