Making the Complex Understandable

Despite access to more information than ever, it has never been so difficult to navigate the complex maze of products, services, strategies and government rules.   

In this fast paced world, it is prudent to have experienced financial professional in your corner. Just like WebMD will never fully replace your personal physician or surgeon, investment websites can't replace a personal connection to your financial advisor. Our responsibility is be knowledgeable of the fiscal landscape and help guide you to financial success.


  • Tax laws are ever-changing and very confusing.  How can we stay on top of taxes, in relation to their effect on our financial plans and investments?
  • There are SO MANY different investment vehicles (see below). Which ones fit appropriately into our situation?
  • Accumulating wealth vs retirement spending - The way you invest during your earning years needs to be vastly different from how you are invested once you transition to retirement spending.  How do we make our savings last as long as we need income?
  • Transferring your wealth to your kids, grandkids and favorite charities sounds easy.  Most people don't think about how taxes, probate, irresponsible heirs or family in-fighting will affect your loved ones.  What is the most efficient and responsible way to pass our estate or family business to the next generations?
  • Insurance and risk management are very confusing and not pleasant to discuss. Long-term health care (LTC) could be the biggest single expense in retirement and the most devastating risk to your retirement nest egg.  Protecting your earning potential and your life value are often overlooked by people without good advisors.  How can we efficiently transfer risk to insurance companies and leverage our premium dollars?



Financial Planning

  • Lifetime Income Plans
  • Retirement Plans
  • Tax Planning
  • Estate Planning
  • Business Planning
  • Key Employee
  • Buy / Sell Arrangements
  • Profit Sharing Plans


  • Stocks
  • Bonds
  • Government
  • Municipal
  • Corporate
  • ETF's
  • Mutual Funds
  • Real Estate (REIT's)
  • College Plans
  • Education IRA
  • 529 College Plans
  • IRA's / ROTH IRA's
  • Employer Plans
  • Simple IRA
  • 401k / 403b
  • Brokerage Accounts
  • Annuities


  • Long-Term Health Care
  • Traditional 
  • Hybrid Life / LTC
  • Disability Income Protection
  • Life Insurance
  • Protection
  • Tax-favored Accumulation
  • Chronic Illness Riders
  • Long-Term Health Riders