Our Services

As we all go through life our goals change, realities change and new priorities emerge.  Whether it's buying your first home, leaving a job and rolling over your 401k to an IRA or setting up a 529 College Plan for your new grandchild you'll want complete and accurate information so that you are comfortable with what we're planning and confident in your decisions.  If you need a Mortgage, an investment to fund your IRA or you need to buy some new Life Insurance you'll want to have access to as many choices as possible and to understand the pros and cons of each option.  By establishing relationships with so many financial institutions (Banks, Insurance companies, Mutual Funds* etc.) we are able to provide you with that access. With this broad array of financial products and the most up to date information we can employ the latest strategies to help you reach your goals in the areas of:

• Mortgage planning
  Shopping all of the available Lenders to find the best rate and keeping up to date with ever-changing qualification requirements whether you are purchasing a new home,  refinancing an existing one or looking for a Reverse mortgage.
• Retirement planning 
  Making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to save to retire comfortably. Managing assets before and during retirement.
• Tax management
  Looking for ways to help reduce your current and future tax burden. Referring you to qualified tax specialists.
• Estate planning
  Reviewing your wills and trusts. Helping preserve your estate for your intended heirs. Helping with beneficiary designations. Reducing exposure to estate taxes and probate costs. Coordinating with your tax and legal advisors.
• Risk management
  Reviewing existing insurance policies. Recommending policy changes when appropriate. Finding the best policy for your situation.
• Education funding
  Recommending investment and accumulation strategies to help you pay for your children's education.
• Investment Planning
  Determining your asset allocation needs. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach and exceed your goals.