Financial Planning /Corporate Benefit Planning


Financial Planning is an on-going process to provide total financial management for an individual. Today, a bewildering array of investment products and ever-changing tax laws can lead to confusion and even indecision. The only sensible solution is to seek professional assistance.

Through professional Financial Planning, a current profile is developed from your input. Once this profile is completed, a clear picture will emerge of your present financial situation and allow you to make more informed decisions relating to the necessary steps to be taken to achieve your financial goals.

Some of the benefits to be gained through Financial Planning include:

1. Strategies for minimizing income taxes
2. Increasing yearly savings
3. Investing more wisely
4. Developing a more meaningful insurance portfolio
5. Planning for educational funding
6. Managing cash flow
7. Planning for retirement
8. Developing an Estate Plan

The Financial Plan is organized into various sections which include:

Personal: Family records, budgeting, personal liability,estate information and financial goals
Tax Management and Cash Flow: Income tax and spending analysis
Death and Disability: Income needs of surviving dependents,estate planning and disability income analysis,Long Term Care insurance and solutions
Retirement:Strategies and investment plans to pursue retirement goals.
Investments: access to; Stocks, Bonds, UIT's, Mutual Funds,Treasuries, Annuties, Private Money Managers
Estate: Existing estate arrangements, will and trusts planninf. Recommendations to facilitate asset transfer and minimize taxes


While each client is unique and brings his or her own set of circumstances to the investment planning process, the goal is to manage risk and maximize earnings. We believe our approach to investment management helps to reduce risk and increases the potenetial for success. By diversifing assets, our clients are positioned to take advantage of market fluctuations. We take a long-term approach to investing. We do not try to "time" the markets. Our clients strive for sustained investment performance to create long-term wealth and do not engage in daily stock trading. One strategy we employ is "Dollar Cost Averaging Strategy." We have proven that creating and maintaining wealth is accomplished by staying focused on goals and monitoring investment performance over time. It is our obligation and desire to listen to our clients' dreams and goals.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Dollar cost averaging involves continuous investment in securities regardless of fluctuation in price levels of such securities. An investor should consider their ability to continue purchasing through fluctuating price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

Securities and financial planning offered through LPL Financial, A Registered Investment Advisor, member FINRA/SIPC


Business Planning is an on-going process to provide total financial management for business professionals. Today a bewildering array of changing tax laws and products can lead to confusion and even indecision. The only sensible solution is to seek professional assistance. Only after a careful review of your current programs, needs and goals, will we attempt to identify any gaps and make recommendations to fill them. We don't just sell products, we solve problems and fill needs.

We encourage the participation of your other business advisors, accountants and attorneys to ensure a comprehensive plan of action.


Your business may be your most important asset to accomplish your financial goals. We can help you maximize your potential by:

Using powerful tax planning strategies to lower your taxes
Attracting and retaining quality employees
Determining the value of your business
Ensuring adequate retirement benefits for yourself and you key employees
Protecting your investment in your business
Assuring that any future business transfer will be on your terms
Obtaining financial independence



Health Insurance
Flexible Spending Accounts
Group Life Insurance
Group Long Term Disability
Dental Insurance
Qualified Retirement Plans
Buy-Sell Agreements
Key-Man Insurance
Group Carve Out


Flexible Spending Accounts
Payroll Deduction Life Insurance
Short-Term Disability
Dental Insurance
Long Term Care Insurance


Deferred Compensation
Supplemental Executive Retirement Plans
Personal Disability Insurance
Wage Continuation Plans


Estate Planning
Financial Planning
Charitable Estate Planning
Retirement Planning
Investment Portfolio Analsysis
Business Succession Planning

As an independent firm we review the needs of your company, do our research based on those needs, and make detailed recommendations that will offer the best long term value.

Our firm's relationship with respected insurance carriers enhances our ability to bring you competitive premiums and prompt local service. Unlike a consultant, we do not charge a fee to your company to utilize our knowledge and experience in designing a benefit package to meet your needs. We are there to help educate your employees on the benefits offered and help in the enrollment process in order to make the plans a success.


Retirement Plans are an integral part of an employee benefits package to help maintain and recruit employees. We will assist you in the design of the plan to meet your objectives; "safe harbor," "comparability," defined benefit, profit sharing, "top hat," and 401K retirement plans. We do the employee presentations and offer individual enrollment investment advice since we are Registered Investment Advisors.

Securities offered through LPL Financial, member FINRA/SIPC