Financial Planning

Let us help you plan your next step.

At our firm, we have the client—and only the client—in mind.

Our mission is to get to know and understand your needs, wants, and long-term goals. We want to help you develop, implement, and monitor a strategy that’s designed to address your individual situation.

We understand the challenges families face today.

From managing debt to saving for college to retirement, these personal finance challenges can be overwhelming. Our commitment is to utilize all of our resources to help you pursue your goals.

We believe in thinking “out of the box” and we are not afraid to challenge conventional wisdom in our approach to investing and preserving wealth. All of our energy, commitment, and efforts are focused on you, the client, and your satisfaction.


Would your family be able to make it by if you unexpectedly passed away or became disabled? Would they be able to pay for living expenses such as rent, food, and clothing without reducing their standard of living?

You are your family's greatest asset. Without you, who would provide the income to support them? No one can predict the future but it is our responsibility to protect it for those who matter most. Insurance provides a very affordable way to obtain the peace of mind to protect those you love. These benefits may even provide a valuable tax break too!

We offer the Following:

  • Life Insurance
  • Disability Insurance
  • Long term care Insurance
  • Group Health Insurance to Businesses


Have you began to save for retirement?  

With many workplaces eliminating the traditional pension plan, it is critical to take retirement planning into your own hands. Furthermore, improved life-expectancies mean your retirement could last well beyond 20 years. We provide strategies specifically designed to ease these concerns and provide you with the peace of mind you deserve throughout your retirement. In addition, our unique expertise in tax law can make our advice significantly more sensitive to your current and future tax situation than traditional advisers. We don't just peddle financial products. We take a holistic approach to your finances where we understand your goals and develop a strategy to meet your financial goals.

We offer the following:

  • Traditional & Roth IRAs
  • 401(k)/403(b) rollovers
  • 401(k) plans
  • Defined benefit plans 
  • Variable/Fixed/Indexed Annuities


With the cost of tuition skyrocketing, Its never too early to start saving for your children's future. There is no shortage of ways to save for college, but doing it effectively can save money, taxes, and protect your family's financial aid package. We have the knowledge and expertise to help you navigate your choices and select the right account for your college needs

We offer the following:

  • Coverdell ESA accounts
  • 529 plans
  • UTMA/UGMA custodial accounts 

Asset Allocation

If you prefer to manage your investments on your own, we can help. We review your current investment portfolio (if you have one) and assist you in understanding your current balance between risk and reward. We then establish a proposed investment mix that aligns with you as an investor based on a holistic approach that reflects your specific:

  • Tolerance for Risk
  • Financial Goals
  • Time Horizon
  • Age
  • Income
  • Tax situation
  • Existing Investments
  • Liquidity

Once you agree on a specific asset mix, we provide you with a list of cost efficient and tax efficient investment options to choose from

Home Purchase vs Rent

Have you ever wondered if there was a way to clearly tell if you should buy or rent? Many assume that buying a home is always better than renting. This is simply not true. We provide an unbiased review of whether you should buy or lease your next residence. For Purchases we look at:

  • Mortgage Payment
  • Maintenance/Common charges
  • Property Taxes
  • Homeowners Insurance
  • Price Appreciation Potential
  • Closing costs
  • Down Payment
  • Renovations costs
  • Real estate Commissions

We then compare this to the following to assist in your decision:

  • Cost of rent
  • Inflation
  • Alternative uses of down payment/closing costs/renovation funds

Best of all we can adjust our model to suit your specific situation and outlook on the market

Debt Management

We assist our clients in reviewing their monthly payments and recommend specific strategies to reduce their monthly obligations. We are not a credit repair or a debt-settlement company, but rather we help responsible individuals and businesses remain up to date on their debt management options. Our holistic approach considers:

  • Ratio of your Assets vs Liabilities
  • Ratio of Long Term vs Shorty Term Debt
  • Interest Rates on your Debts
  • Current Market Interest Rates
  • Fixed Rate vs Variable Rate Sensitivity
  • Refinancing Opportunities

Financial Check-up

Are all your financial accounts up to date and in good order? We review your current financial situation to minimize the difficulties of major unforeseen life events. We specifically cover the following:

  • Risks (Inflation Risk/Market Risk/Liquidity Risk/Concentration Risk)
  • Beneficiary Change/ Review Needs
  • Wills & Estate Planning Needs
  • Need of Required Distributions from IRAs/401K
  • Emergency fund review
  • Life Insurance Needs
  • Disability Insurance Needs
  • Retirement Income Needs

Investment Management

if you prefer not to manage the daily activities in your account, then an advisory managed account may be a solution. Your account is held directly with our firm so we can periodically review your progress. Some specific benefits of holding your investments with us:

  • We manage your investments with a fiduciary obligation so you can get back to enjoying your life
  • We can rebalance your Portfolio as needed to stay within your desired asset allocation
  • We can advise on specific tax loss harvesting opportunities to minimize the burden of capital gains
  • We emphasize the use of low cost investments to help you keep more of what you earned from your investments
  • We utilize passive mutual funds and ETF’s to minimize your year-end tax bill