Broker Check

Our Service Offerings for Individual, Couples and Families

Specifically tailored to each client's needs, the Financial Plan is an individually written plan which provides a comprehensive examination of a client's situation and provides a road map for present and future action.


I. Financial Planning for Individuals

Financial planning and investment planning with emphasis on Retirement & Financial Independence Planning, Cash Flow & Tax Analysis including Capital Expenditure Goals, Insurance and Risk Management Planning, Investment Planning and Portfolio Design, and Estate Planning and Considerations.

II. Financial Planning for Individuals w. Dependents, Couples or Families

This includes all of the above described services in Part I. Financial Planning for Individuals and adds Survivor Needs Analysis (see Part III below) and College funding (see Part IV below) as applicable.

III. Survivor Needs Planning (not as a part of one of the above plans)

In the event of an untimely death of either spouse, having the wrong amounts or wrong kinds of insurance can seriously interfere with the achievement of client's financial objectives. Rather than be sold inappropriate plans by a potentially biased insurance salesperson, the client is taught how to buy theplans that meet his/her requirements.

IV. Education Planning (not as a part of one of the above plans)

College inflation exceeds average inflation . . . look out college-bound! Adequate funding and appropriate funding vehicles will be recommended with additional consideration given to asset ownership and the investment's impact on potential college aid and taxes.

V. Retirement Planning (not as a part of one of the above plans)

Do you know the amount of money that you will need to have accumulated in order to retire comfortably... and to remain comfortably retired? Based on your personal goals under various scenarios, target numbers and cash flow spreadsheets will be generated. Clients will know what they may reasonably expect in terms of retirement income, year by year and including the projected impact of inflation and income taxes. Qualified plan rollover assistance and asset allocation recommendations shall be provided.

VI. Investment Planning (not as part of one of the above Plans)

This service includes a current analysis of existing portfolio holdings with appropriate portfolio design recommendations for change that may optimize returns and lower risk and expenses. Generic and specific recommendations are included to match client risk tolerance and expected returns with attention to a client's personal financial planning goals and objectives. Implementation assistance will be provided.

VII. Estate Planning

An inevitable part of life is death. To be prepared for the sake of your loved ones and heirs is a valuable gift. Services include asset transfer planning aiming to reduce tax and management costs and most effectively distribute your estate as you wish. With your permission, the advisor will work with your attorney, accountant or other trusted advisor to co ordinate documentation and facilitate as seamless of a transition as possible. Assistance to survivors and heirs of an estate will be provided as desired. Survivor Needs Planning (Part III) and Investment Planning (Part VI) are included in the Estate Planning Module.

VIII. Divorce Planning for One Party

It is a fact that more than half of marriages end up in divorce and 100% of divorces involve financial settlements. Using an unbiased planner to recommend before and after balance sheets can more economically prepare clients before costly legal and court expenses are incurred. Post divorce investment planning that takes into consideration the cash flow needs and tax status are also included as a part of this service at no additional charge (see Part VI).

Attorney Conferences, Testimony and/or Court Appearance(s), if any on an hourly fee basis.

IX. Divorce Planning for Both Parties (Fees may be split equally)

X. Senior Needs Planning

Did you know that the average retirement age in America is 62? Did you know that a married couple, both non-smokers age 62 today has a 50% chance that one of them shall be alive at age 92, a 30% chance that one of them shall be alive at age 96, and a 10% chance that one of them shall still be alive at age 101 (based on Annuity 2000 Mortality Tables)? The average American couple today should plan for retirement income to last for 30 years and quite possibly longer. Seniors face the erosion of their purchasing power through inflation and taxation, not to mention the potential need for long term care or assisted living which could rapidly deplete assets. Special attention should be paid to senior's investment and insurance choices, and planning should focus on providing rising income so that seniors may keep their dignity and their independence, and for some, be able to provide a legacy for those whom they care about. Senior planning includes all the aspects of Individual Planning (Part I) with extra attention to the special needs of this phase of life, and may include Survivor Needs Planning (Part III) and Education Planning (Part IV) as needed.



X. Investment Performance Monitoring and On-Going Financial Planning for Individuals or Families

Services shall include the daily maintenance of a clients consolidated financial statements on a secured website that clients may access from their computers. Statements will provide updated valuations of all household assets as well as their individualized rate of return and transactional data for any available historical time period. Portfolios will be evaluated by the planner at pre-set intervals to determine if portfolio is performing average or above in terms of current market indices and within acceptable parameters to clients. Asset rebalancing necessary to match a client's stated risk tolerance is advised as needed. Additionally, individual investments are reviewed for effective performance and recommendations for change are made for underperforming investments (on a risk adjusted basis) with consideration first given to the impact of tax or transfer costs.

XI. Qualified or Non-Qualified Plan Review (if assets are not included in Part VI above)

XII. Annual Retirement Cash Flow and/or Qualified Plan Distribution Planning
(Including Annual IRA Required Minimum Distributions)

In order to create adequate cash flow for current living expenses, portfolio assets may need to be consumed in addition to income from available retirement plans. In light of a client changing cash flow needs, current market conditions and the tax implications of a distribution from each available source, a determination is made as to from which resource(s) and in what amount(s) the cash flow should come. Implementation assistance is provided.

XIII. Stock Option Tracking and Recommendations

XIV. Educational Plan FAFSA Filings