financial Planning Process

Our Services

Investment Planning: Many people become overwhelmed when faced with the ever-increasing number of financial products available. A good investment plan will help you navigate this ever-increasing number of investment vehicles. The initial step is an analysis of a client’s risk tolerance. Once the desired risk profile is established, an investment program is developed. With a portfolio in place, ongoing reviews are conducted to accommodate changes in personal, economic and political circumstances.

Retirement Planning: Comprehensive retirement planning requires consideration of a diverse array of lifestyle choices involving health care, housing, income, and estate planning. As a result of individuals retiring earlier and living longer, the average retiree will spend about one-third of his/her adult life in retirement. Good retirement planning will help assure financial independence during the retirement years while maintaining the pre-retirement standard of living.

Insurance Planning: An Insurance program should be a part of every family’s total financial plan. Insurance is the foundation of financial security for you and your family. It protects your financial resources against the uncertainties of life so you can plan for the future. It is also important to periodically reassess your insurance coverage. Over time, your insurance needs are likely to change. Insurance companies offer innovations and riders that might be applicable to your situation. Reevaluating your insurance can lead to lower premiums with coverage better suited to your situation.

Estate Planning: Estate planning involves more than just tax planning. Estate creation, income replacement, and the orderly transfer of property from one generation to the next continue to be the primary objectives of most estate plans. Estate planning provides for the care of minor children, disabled children and elderly parents. It is also important to be certain there are enough life insurance proceeds, liquid assets, and other sources of income to maintain the family’s current living standard.

Portfolio Review: It is important to stay focused on your personal financial goals – and not become emotionally attached to the securities you own. It is important to periodically conduct a comprehensive review of your portfolio and your asset allocation plan, which includes discussing and reassessing your overall personal goals. We help provide an objective view of your current portfolio and point out areas that may benefit from repositioning.


  • Managed Asset Plans through LPL Financial
  • Stocks, Bonds, Mutual Funds and ETFs
  • Alternative Investments
  • Tax Deferred Fixed and Variable Annuities
  • Immediate Annuities
  • Term, Whole and Variable Life Insurance
  • Long-Term Care and Disability Insurance