Financial Services

Financial Services

You can’t get to your destination if you don’t have a map. That’s true generally, but it also works as a metaphor for your financial life.

When we speak with you, we ask, “Where do you want to go?” That’s the most important question we ask. It tells us where you are in your life. It lets us know, “Are they trying to accumulate wealth or distribute it throughout their retirement?” It informs us of your risk tolerances. For additional details, read further or call us today!

Wealth Management

This investment advisory service typically combines several other financial services to provide a complete, comprehensive package. It is often the case that these services are aligned with high net-worth individuals or those with more complex portfolios.

Wealth management services usually deal with minimum portfolios amounts of $250,000 or higher and assist with investment management, financial planning, retirement planning, legal planning, philanthropic planning, estate planning and tax services.

The clients need determines the actual services that the wealth management provides. Wealth management is more than just investment advice. It entails all the moving parts of your financial life.

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Financial Planning

“Where do you want to go?” It all begins with a careful and through evaluation. An evaluation that addresses your current financial state and all of your future expectations.

Financial planning helps individuals and businesses meet their long-term monetary objectives, in addition to implementing strategies to meet their goals. This is not a one size fits process. Your plan is tailored to your specific stage of life and future goals.

Creating your financial plan can help reduce your stress about money, support your current situation and address current or future concerns about retirement. Your financial plan isn’t a static document. It is a tool to track your progress and your financial state throughout your life, as it evolves.

Retirement Income Planning

Get clarity on your money, with retirement planning you can trust. There is no one size fits all retirement income plan.

We take the time to listen to your needs and formulate a plan to take you from the accumulation phase of your life to the distribution phase. According to one study, 43% of people in America aren’t afraid of being bored, unable to travel, or dying in retirement—their #1 fear is outliving their money. ¹

That number jumps to 60% when you look at Baby Boomers. These fears, according to the data, are justified: People in their 50s have only saved an average of $117,000 for retirement. Experts say a “healthy” retirement savings account would have something like six times a person’s current salary. ¹ This disparity, to say the least, is striking.

Whatever your plan, and whatever your retirement goals, our firm could help you put together a retirement income plan. We’re ready to listen; we’re ready to lend our experience.

¹ Catey Hill, “Older People Fear This More than Death,” MarketWatch, accessed July 24, 2019,

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Insurance Strategies

Insurance is a term people often use but not one they always understand. For customers, insurance companies offer a contract (known as a policy) whereby an individual or corporation receives a promise of reimbursement against possible losses in exchange for a premium. Insurance companies pool risk this way; that means that, in the event an insurance company has to pay out a claim, the company is still bringing in revenue. ¹

There are several types of insurance. Some of them—like life insurance—are straightforward. Yet, even in life insurance, there are many things to consider, like term vs. whole life. Other types of insurance, such as fixed indexed annuity contracts, might require even more explanation. You can buy insurance for your car, home, boat, or business. You can also buy insurance for things like needing long-term care in retirement, liability insurance for your business, disability insurance for your profession, and Medicare gap coverage.

People often talk about insurance as “protection,” but it’s really a form of risk mitigation. It ensures that, no matter what twists and turns come with life, clients don’t face their risks flat-footed. Nothing can protect you from risk. However, with a thoughtful, proactive, and detailed insurance plan (as part of a comprehensive financial plan), you may find yourself with more options than you would have had without insurance.

¹ “Insurance: The Complete Guide,” Investopedia, accessed February 27, 2020,