We know that some days you want to retire "yesterday". Other days you feel like you could work for as long as your health will allow. The truth is none of us knows when we will actually retire because there are elements we simply can't control. For the elements we CAN control, we utilize our Principals' combined 40 years of planning experience and a rules-based system to craft an investment plan to help you invest more fearlessly. For the elements we can't control, we design an insurance plan that makes sense to help you keep the ground you've gained toward your financial goals. For the unknowns where we cannot predict or insure, we build contingencies into your plans to help you have the flexibility to handle life as it unfolds.
One thing our clients have taught us over the years is that we all have different ideas of what success looks like. It takes more than numbers to feel confident about where you are -- It takes a plan. It also means working with your other professionals -- your estate planning attorney, your tax advisor, and others, to make sure that you're making smart moves to minimize taxes and to ensure an orderly administration of your medical and financial affairs in the case of a disability or your death. We work with your other advisors to help you take the steps to get your life in order and communicate it to those who you've decided need to know. Think of it as continuity planning for your life. How will your business run, your household run, who will care for your pets when you can't? (you must name someone!)
We offer a wide range of financial products and services to make sure that anywhere you can help it, your life's work is not left to chance. You've used your talent, your time, and invested emotionally in the life you've built. We help you make the most of the fruits of your life by showing you how to grow your finances and protect those you love who you want to benefit from your life's work. It is our goal that through working with us, you gain the confidence that comes from knowing you can deliver on the important promises you make to yourself and those who count on you, day in and day out.
We hope you will find this site useful and will make it one of your resource centers. We choose to grow by referral so that our time is spent bringing the high level of service you have come to expect from us. If you know someone who can benefit from our level of service, please tell us about them so that we can reach out to them to see if we are the right match for their needs.
We serve individuals and business owners in all areas of financial planning, including:
Full financial planning
Business buy-sell planning
Goal-based financial planning (college, retirement, business succession)
Estate Planning & Administration
Life, Disability and Long-Term Care Insurance and Annuity Products
When Markets React
When markets shift, experienced investors stick to their strategy.
5 Smart Investing Principles
Principles that can help create a portfolio designed to pursue investment goals.
A Decision Not Made Is Still a Decision
Investors who put off important investment decisions may face potential consequence to their future financial security.
Learn about the dangers of internet fraud with this highly educational and fun “pulp” comic.
Do your insurance needs stay the same when the nest empties?
The uncertainties we face in retirement can erode our sense of confidence.
It's important to make sure your retirement strategy anticipates health-care expenses.
Whatever your relationship with your car, it may eventually come time for a new one. Familiarize yourself with your options.
Understanding some basic concepts may help you assess whether zero-coupon bonds have a place in your portfolio.
This calculator compares the net gain of a taxable investment versus a tax-favored one.
Use this calculator to estimate your capital gains tax.
This calculator estimates the savings from paying a mortgage bi-weekly instead of monthly.
Determine if you are eligible to contribute to a traditional or Roth IRA.
Estimate the maximum contribution amount for a Self-Employed 401(k), SIMPLE IRA, or SEP.
This calculator estimates your chances of becoming disabled and your potential need for disability insurance.
How federal estate taxes work, plus estate management documents and tactics.
Investment tools and strategies that can enable you to pursue your retirement goals.
A presentation about managing money: using it, saving it, and even getting credit.
The importance of life insurance, how it works, and how much coverage you need.
A number of questions and concerns need to be addressed to help you better prepare for retirement living.
The chances of needing long-term care, its cost, and strategies for covering that cost.
Explaining the SECURE Act and how the changes affect your retirement strategy.
Peer-to-peer payment apps are one of the newest ways to send money.
Understanding the cycle of investing may help you avoid easy pitfalls.
There are three things to consider before dipping into retirement savings to pay for college.
If you died, what would happen to your email archives, social profiles and online accounts?
What is your plan for health care during retirement?