Financial Planning
Our firm offers a complete
array of financial planning services and will work closely
with you to help you achieve your financial goals. We will
help you determine your net worth and plan a workable budget
to meet your expenses. Our financial planning services
include investment counseling, retirement planning, college
funding, estate planning, and many more.
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Debt And Financial Services
Many Americans are facing the pain of large credit card or
student loan balances that they do not know how to pay off.
We offer complete debt and financial counseling services,
including installment debt consolidation, refinancing, and
repackaging.
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Education Funding
The costs of a college education are continually rising,
far outstripping the normal rate of inflation. We will help
you determine your best approach to save for your
children’s education, which could be either a 529
plan, prepaid tuition plan, or Coverdell account.
We’ll also help you take advantage of other
tax-favorable treatment of education expenses, such as the
Hope and Lifetime Learning Credits.
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Investment Review
Our firm will perform a custom portfolio analysis and
review the risks and returns of specific investments
including stocks, bonds, cash, REITs, and limited
partnerships. We will also determine an optimal asset
allocation for you by taking your unique personal and
financial goals, time horizon, and risk tolerance into
account.
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Retirement Planning
It is never too early to start planning for retirement. If
you want to live the same lifestyle--or an even better
one--than you do now, you need to start planning for
retirement...NOW. We will help you compare the relative
benefits of stocks, bonds, and other retirement assets, and
will explain the differences between such retirement plans
as standard IRAs, tax-deferred annuities, and Roth IRAs. We
can analyze your projected income and expenses and suggest
investment funding techniques to help you ensure your
golden years 10, 20, and even 50 years from now live up to
your expectations.
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Estate Planning
We offer estate planning services to help you minimize
federal and state estate tax liabilities, and to determine
if you will have a deficit or surplus of assets after taxes
and settlement costs have been resolved. We will endeavor
to protect your heirs from the unneeded emotional
devastation that can be caused by estate tax levies.