Services

Focuses on providing a safety net for unexpected events that can cause serious financial loss to your family

• Financial Emergencies
  
• Pay medical bills in the event of illness
  
• Income replacement lost due to disability
  
• Maintain a standard of living after the death of a spouse or other loved one.
  
• Life insurance, Disability Insurance, Long Term Care Insurance

• Development of investment strategy designed to create, preserve and grow wealth in volatile and trending market conditions.
  
• Provide an investment portfolio "Stress Test" to determine how your portfolio handles market downturns.
  
• Ongoing implementation of an active allocation strategy for proper market exposure and trends
  
• Aggregation of all your accounts to simplify and reduce paperwork.
  
• Plan best tax strategy (401k, IRA, Roth, NQ, etc....) to accumulate money in retirement plans.

• Involves helping find potential tax savings through reducing or shifting current or future income tax liabilities
  
• Evaluating business structure to optimize the benefits of the Internal Revenue code
  
• Deferring income and/or accelerating expenses at year-end
  
• Strategies to realize losses or gains through a wide range of allowable actions

• Determine the amount needed/desired upon retirement, then implement recommendations to fund your income needs and help maintain a comfortable standard of living.
  
• Develop a strategy to prevent you from outliving your retirement income
  
• Determine the best methods and timing for withdrawing from retirement accounts.

• Help identify charitable giving opportunities that fit within your value structure and that help minimize tax liability
  
• Develop a charitable giving plan to be incorporated into cash flow and expense budgets

• Involves identifying beneficiaries and what they are to receive both during the client's life and upon his/her death
  
• Provide knowledge about available estate planning techniques and tools.
  
• Development of custom estate plan to transfer wealth while minimizing unnecessary tax liabilities and avoiding probate
  
• Help determining how property will be transferred at death by means of a will, interstate, contract or trust.
  
• Strategies to potentially AVOID the Medicaid spend down during an extended nursing home stay.