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Comprehensive Financial Planning

Financial planning is at the very core of the life planning services we provide to individuals and families seeking to build, preserve and manage wealth over time.

Retirement income planning, education planning, tax and estate planning, and risk management services are components of a larger, more comprehensive financial plan designed to achieve multiple financial and lifestyle goals. Your plan also helps provide for your heirs and define the legacy you choose to leave.

The steps involved include:

  1. Establishing and defining the relationship with the client
  2. Gathering client data
  3. Analyzing and evaluating the client’s financial status
  4. Developing and presenting the financial planning recommendation(s)
  5. Implementing the financial planning recommendation(s) and
  6. Monitoring progress.

Investment Planning

Our clients require sophisticated and attentive asset management designed in effort to maximize their portfolios’ total returns in accordance with their risk tolerance. We construct your investment portfolio after an exhaustive analysis of your risk tolerance, investment objectives, and time horizon.

After discovering these factors, we design an investment strategy based on your unique needs. The key to effective asset management is creating and maintaining a diversified investment portfolio that is designed to work for many years.  We take care of monitoring both your allocation weightings and the holdings involved in your portfolio.

*There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Protection Planning

Protecting yourself, your loved ones, your home or your business against unexpected events is a fundamental aspect of financial planning. Closing the gap on potential risks can be tricky without a comprehensive plan and process that methodically evaluates all potential risk factors.

That’s why risk analysis is an integral part of our ongoing process. We continually identify and analyze all risk factors and make objective and unbiased recommendations to provide you with the peace of mind you seek.

  • Individual life insurance
  • Individual disability insurance planning
  • Individual Long-term care insurance
  • Business related life insurance (e.g. Key person, Executive Bonus Plans)
  • Business overhead expense insurance