How We Work

We want to build long-term relationships with clients who are seeking professional help with their estates, retirement, and financial goals. To accomplish our goal of being our clients’ total financial resource, we offer the following integrated services:

Retirement Income & Investment Strategies

Today’s workers are retiring into a new world where they are confronted with volatile markets and a lack of pension security. The era of retirees being rewarded with a gold watch and lifetime pension after 35 years of work with a company has virtually disappeared, and many retiring workers fear outliving their income stream. We help you identify and address your personal risks and potential pitfalls and provide a straightforward approach to help you pursue your income and retirement goals. We help our clients to build a strong retirement plan based on three strong pillars. Through careful consideration of how best to maximize your pension, take full advantage of your Social Security, and generate income through investment and savings plans, we help you make sure your retirement plan rests on a strong foundation.

Estate & Legacy Strategies

Many estate planning attorneys may suggest you have a living trust, financial power of attorney, medical power of attorney, and pour-over will. Their reasoning tends to suggest that without these documents in place, your family could be exposed to probate court, and you may lose control of your assets as well as the decisions that are made on your behalf. It may also result in the loss of one of your estate tax exemptions and expose your estate to significant tax liabilities.

Tax Minimization Strategies

There is no quicker way to give yourself a raise than to keep more money in your pocket and give less to the government. There is a significant difference between tax preparation and tax planning. In our experience, few people truly have a tax plan. We help our clients to understand the pros and cons of different forward tax planning strategies. Should you be deferring taxes today to pay taxes at a future rate that is unknown? Or should you pay the taxes today so you can access them tax-free in the future? We will help you understand the tax consequences to your current plan and what options you may want to consider going forward. Taxes can be frustrating and confusing, but it is worth the effort to take a more active role and work on creating a tax plan.

Risk Management & Asset Protection Strategies

Our definition of asset protection is the act of planning to minimize the exposure of your wealth to the risks associated with potential and unforeseen events. These risks can include anything from market risk, excessive taxes, disability, illness, premature death, lawsuits, or creditor issues. Regardless of the event or the probability of it occurring, many times the outcome is the same loss of income, wealth, and control. The consequences can be irreparable. Most of us are aware of these risks. The only problem is that very few of us seem to have any urgency to address them. The result: When something happens, we are left with few options. Working together, we identify the areas of vulnerability in your existing plan and the steps necessary to help you correct them.


Common Stock
Educational IRA
Traditional IRA
Roth IRA
Simple IRA
Brokerage Accounts
Treasury Bills
Government Securities
Treasury Notes
Variable Annuities

Financial Planning

Retirement Plans
Tax Plans
401(k) Planning
403(b) Planning
College Plans
Estate Plans
Money Purchasing Plans
Profit Sharing Plans


Disability Income Insurance
Life Insurance
Long-Term Care Insurance

Learn More About Our Services

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