Our firm specializes in helping individuals develop sound retirement strategies. If you are retired – or approaching retirement – please take the time to explore our website and the wealth of information we offer. We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.

We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.

Financial Planning

 Net Worth. Risk Management. Investments. Taxes. Retirement. Estate Plan

 Net Worth – Analyze your Assets and Liabilities

• Risk Management – Evaluate your insurance needs
  
• Investments – Review current portfolio
  
• Taxes – working with your accountant to help you find opportunities
  
• Retirement – helping you create buckets of money to fulfill your fixed and lifestyle expenses
  
• Estate Planning - working with and an estate lawyer to help you with your estate needs
  

Retirement Buckets

• This approach helps to withstand short-term dips in the market to prevent clients from selling to cover expenses.

Short Term – provides near term cash flow from portfolio
Intermediate – helps feed into short term bucket – investment strategies that consist of yield and growth.
Long-Term – This bucket grow your nest egg more than inflation in a diversified portfolio, while allowing this bucket to help refill the intermediate and short term buckets.

Pre Retirement /Post Retirement

• Retirement Approach
  
• Covering fixed essentials
  
• Providing for your manner of living
  
• Preparing for the unexpected.
  
• Legacy