Creating Financial Freedom!

Building and preserving your personal wealth requires specialized attention. You get one-on-one guidance and a comprehensive financial plan that helps manage risk, improve performance, and ensure the growth and longevity of your wealth.

As with most other things in life, the key to achieving your long-term financial objectives is planning.  Your goal may be to fund your children’s college education, protect your family during your working years, or guarantee you and your spouses retirement security.  These things won’t happen by accident.  It’s important to determine what you would like to achieve financially and then map out a strategy that will help you meet those goals.  The good news is that it’s never too late to start.

When you fail to plan, then you’re planning to fail…

Financial planning isn’t just for the wealthy.  Having a financial plan increases the odds that you’ll reach your long-term financial goals, because you’ve taken the time to set targets and establish a realistic plan to reach them.  Depending on your background and goals, you may be able to do this yourself.  But in these financially unsettled times, many formerly self-directed investors are feeling the need for some professional guidance.  Or, you may be at a new juncture in life.  Perhaps you’ve been able to handle your investment strategy just fine, but now you’re about to retire, and wonder how much you can safely withdraw from your investments each year or where you should be investing your money for the potential highest return.  If you don’t have the time or expertise to tackle these tasks yourself, we can help you cut through your confusion and procrastination.

We help you…

• Save enough for a comfortable retirement by identifying your retirement needs, analyzing your assets and sources of retirement income, reviewing estimated shortfalls, and identifying the best ways to save for retirement given your financial situation and risk tolerance.

• Pay for your child’s college education by accurately estimating the amount of money you’ll need, analyzing your assets, reviewing estimated shortfalls and considering general alternatives and strategies to help address these potential shortfalls, and developing an optimal savings plan given your financial situation and risk tolerance.

• Protect your family in case of you become disabled by ensuring you have enough money in your emergency fund and analyzing your life, disability, health, home, and auto insurance coverage. We also review your will and various powers of attorney designed to take care of your affairs in the event you are incapacitated and can’t manage them yourself.

• Achieve your investment goals by identifying the steps needed to maximize your investment returns as well as the steps needed to help minimize your risk while building increased predictability of your investment returns.

• Leave a legacy for your heirs by maximizing the value of your estate by saving tax dollars, professional fees, and court costs. As well as minimizing the costs of probate, creditors, lawyers, and estate taxes, which can negatively impact the value of your estate. We also help you stay in control of your affairs by providing a road map for passing your estate on to your heirs.