Personal Services We provide a full array of comprehensive personal financial services. Feel free to contact us for a complimentary initial consultation or brief introductory conversation to determine how we might collaborate with you toward achieving your financial goals. Planning Services Financial PlanningWealth ManagementRetirement Income PlanningEstate Planning StrategiesCharitable Giving StrategiesProtection Planning (through life and disability insurance)Legacy Planning Investment Services We begin by getting a clear understanding of your overall financial goals, for each investment account. We discuss your investment preferences and concerns, your attitudes toward risk and your time frame for the assets in each account. To implement your various investment strategies, we'll work with you to build appropriately diversified portfolios, with access to the following:Individual Stocks and Bonds*Fee-based Managed AccountsMutual Funds and ETFsFee Based Financial Planning ServicesIRAs, Roth IRAs529 PlansFixed and Variable AnnuitiesAlternative Investments: various REIT & Energy offerings Insurance Services We discuss with you the numerous protection options available that would best suit you and your families needs. We will perform a full policy and beneficiary review, as well as the review of trusts that may own certain policies. We can offer access to the following solutions:Life InsuranceDisability Income ProtectionLong-Term Care InsuranceBusiness Income Continuation, Succession and Estate Planning strategies College Savings Plans One financial goal that most parents share is a college education for their children. With college costs increasing at a faster rate than general inflation, saving for college can be a daunting task. You can, however, pursue this important financial goal by establishing a college fund and taking action today.529 Savings PlanCoverdell Education Savings AccountTax-Deferred Plans *General securities are offered on an unsolicited basis. Any discussion of taxes is for general informational purposes only, does not purport to be complete or cover every situation, and should not be construed as legal, tax or accounting advice. Clients should confer with their qualified legal, tax and accounting advisors as appropriate.