Individuals

Planning your financial future should be personal, which is why we tailor solutions to you. Our primary service is comprehensive financial planning, but we provide assistance with everything from college funding to retirement income planning – and anything in between.

 

 

Comprehensive Financial Planning

We design and implement a custom financial plan tailored to you and your complete financial picture.  We take into consideration all facets of your financial life, including your income needs and goals, and may collaborate with accountants, attorneys and other professions as needed.

 

Estate Planning

Would you like to leave something that will live on, even after you are gone? As a critical component of any financial plan, an estate plan can help ensure your personal wishes will be carried out in the manner you intended, and that your family’s financial needs will be met.

 

Retirement Planning

We all have dreams for retirement.  Realizing those dreams takes foresight, planning and a serious investment in your future.  Our aim is to help you create, establish and work toward your individual retirement goals today so you can feel more confident in your tomorrow.

 

Legacy Planning

Legacies are not just for the very wealthy or famous.  Everyone has one and can benefit from legacy planning services.  Whether you are an elementary school teacher or own a business, we can help you create a clear plan is reflective of your values, behaviors and community involvement.  What legacy will you leave?

 

Retirement Income Solutions

Do you know how to make your income last in order to cover expenses for a long, secure retirement?  A retirement income plan can help you establish sources of income in retirement and calculate just how much money you will need.

 

College Education Funding

The price tag for a college education continues to climb, which means it is more important than ever to save early to support your children and grandchildren.  We will help walk you through the many possible college savings vehicles so you can find a strategy that works best for your situation.

 

Life, Disability and Long-Term Care Insurance

Insurance can help protect you and your family against the cost of accidents, illness, disability and death.  We offer life, disability and long-term care insurance to help minimize the financial and emotional impact to your family should the unexpected occur.

 

Business Owners:

As a business owner, you have a particular set of financial challenges. Your time is in high demand, and your financial responsibilities extend beyond yourself to your employees. We provide the below services to ensure you spend your time doing what you do best. Buy-Sell Agreements – A buy-sell agreement is an integral part of planning for the future of your business. Without a buy-sell agreement in place, your businesses could face financial difficulties should an owner dies, retires or leaves the business. To ensure your business remains in the right hands, we can help you develop and fund a buy-sell agreement.

 

 

401(k), 403(b) and SIMPLE IRAs

Would you like to know which type of retirement plan is right for you and your business? We help with the implementation of 401(k), 403(b) and other defined contribution plans, including a review of current investment strategies and cost structures on existing plans.

 

Employee Benefit Programs

A solid employee benefit program is essential to retaining and recruiting high quality employees. Our services include life, health, long-term care and accidental death and dismemberment insurance, as well as retirement plans.

 

Key Person Insurance

Losing a key person in your business can be devastating. Key person life insurance offers a death benefit that can help cover financial losses resulting from the passing of an essential team member. We review existing policies to find better rates and benefits, and provide rates and terms for new policies.

 

Business Succession Planning

Do you have a plan in place for how you will exit your business? We can work with you and your legal and accounting professions to develop a succession plan that allows you to sell or transition your business to the next generation, a third-party, or a key employee.

 

Business Money Management and Investments

We offer full asset management for business investments, and review existing portfolios for better efficiency and possible fee reductions.