Services

Our firm works in close collaboration with our clients using the six-step CFP® process. Our advisors help clients define and refine their short-term objectives and long-term goals. We design a financial plan interlacing solutions for the following financial issues: investments, insurance, estate planning, taxes, retirement planning and business ownership issues. Implementation of the plan requires completion of prioritized steps, like peeling away the layers of an onion. Progress towards goals requires regular plan monitoring. Life events may necessitate goal changes and plan revisions.

• Retirement planning
  
• Business associated plans—e.g., 401(k)s, Solo 401(k)s, SIMPLE, SEP and Traditional IRAs, buy-sell designs Insurance analysis and planning
  
• Estate and tax planning in collaboration with attorneys and accountants

• Fee-based portfolio management
  
• Commission based investment options—Fully disclosed commissions
  
• Investment Types:
  
  • No proprietary products
    
  • Cost effective index funds and exchange traded funds (ETFs)
    
  • Individual stocks and bonds
    
  • Unit Investment Trusts (UITs)
    
  • Actively managed mutual funds
    
  • Variable and fixed annuities when appropriate

• Life
  
• Disability
  
• Long-term care (LTC)
  
• Group and health insurance offered via our strategic partners