Products & Solutions


There are many financial products in the market, and so choosing the ones that best meet an individual client’s needs can be complicated. That’s where a financial planner can help. Financial advice should help you choose only those products that meet your current and future goals.

Informed decisions about the products in any portfolio are best made after an assessment of individual needs. After meeting to do this, you are better informed when the time comes to choose from a comprehensive suite of products and services and select only those that address your unique situation.


Retirement planning

Retirement planning today has taken on many new dimensions that never had to be considered by earlier generations.  For one, people are living longer. A person who turns 65 today could be expected to live as many as 20+ years in retirement as compared to a retiree in 1950 who lived, on average, an additional 15 years.  Longer life spans have created several new issues that need to be taken into consideration when planning for retirement.


Educational Planning

As the cost of a college education continues to rise, outpacing the rate of inflation, it is becoming beyond the reach of most people unless they have planned early on.  For people starting a college savings plan today, questions arise as to the best way to save.  For such an important and long term goal, it pays to do some research when selecting a plan.  I can tell you what you need to start saving today to send your child any university they choose.


Social Security Planning

If you are like most Americans, Social Security income will play a role in your financial future. However, navigating Social Security rules and regulations can be complicated, and you may need assistance.  When should I take it is the most common question I get, and the answer is different for everyone.  I use Life Yield software to map out your best option to maximize social security.


Legacy Planning

People spend a lifetime accumulating assets and building an estate with the intention of passing it on to their heirs or charitable beneficiaries. Without proper planning, a person’s death can create significant hardships on the people for which the estate was created. 

For an estate to be passed on to the heirs, there could be settlement costs, such as probate fees and death taxes.   In some cases, where the death taxes are substantial, assets may have to be liquidated to pay them. Also, the actual transfer of assets could be delayed by probate proceedings that are bogged down if there are any contestable assets. 

A sound estate plan can eliminate many of these problems that arise during the settlement of an estate and help you accomplish the following:

  1. Ensure that your wishes are honored when you are unable to manage your own affairs.
  2. Communicate your wishes and expectations precisely to your family and heirs
  3. Provide for your family’s financial security
  4. Provide capital to meet immediate liquidity needs for settlement costs
  5. Facilitate the timely distribution of assets by avoiding probate proceedings
  6. Maximize the estate for transfer by minimizing taxes and expenses 
  7. Ensure that all beneficiaries are named in accordance with the most recent will or Avoid publicity by keeping the proceedings out of the public record.
  8. Conserve the estate so later generations can benefit.
  9. Leave a charitable legacy with a gift of assets or a trust.

I work with multiple estate attorneys that will draft up legal documents that every family needs. 


Contact Me Today!