Whatever the state of
the economy, we are deeply concerned about the personal
financial status of our clients. To help you invest wisely,
put aside what you’ll need for retirement, fund the
kids’ education, keep yourself out of debt, and plan
your estate, we’ve assembled a team of certified
financial planners who can guide you towards the best
decisions depending on your time horizon, your tolerance for
risk, and your current and future financial goals.
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
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.
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.
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