Not Just Any Plan

A well thought out plan is a critical step in helping you succeed in achieving your long-term investment goals. Not just any plan can get you there. Your plan must address your individual and family needs and incorporate legal, tax, and investment advice over the years to help you avoid common pitfalls.

We have developed a unique approach to financial planning. Our planning methods are designed to help you make the right decisions throughout your future.

Our process starts by asking you to consider four basic (and critical) questions:

  • Does your plan address the likelihood of a 30+ year retirement?
  • Does your plan address your future need for dependable, rising cash flow without needing to sell assets?
  • Is your plan personalized to fit your unique situation?
  • Is your plan easy to understand and to act upon?

Avoiding the Mistakes

Successful planning requires avoiding these common mistakes:

  • Setting unrealistic goals
  • Failing to have an effective tax strategy regarding cash flow
  • Ignoring the impact of capital gain and losses
  • Ignoring the impact of required minimum distributions from your IRAs and retirement plans
  • Underestimating how long your assets need to be preserved
  • Disregarding social security options and planning
  • Purchasing insurance products that are unnecessary or do not fit
  • Not employing professionals to assist you

During our planning process we make time to educate you in each of these areas, and help you find quality help with legal and tax issues, if necessary. We also answer any questions you may have to make sure you are comfortable with your unique financial plan.

How We Are Different

There are many salesmen and insurance agents that claim to be financial planners in order to sell insurance and annuity products and/or mutual funds. We do not sell products for commissions. Our service is focused on helping you achieve your financial goals.

When you work with us:

  • Your plan is created taking into account your goals, assets, investment objectives, time horizon, future cash flow needs and any other factors unique to your situation.
  • You receive proactive advice, constant contact, and regular reviews as often as you need or desire. At least once annually.
  • You are notified when we are making future investment changes and additions and have an opportunity to give input.
  • You will have competitive fees that are transparent and easy to understand and that align our interests with your own.