There are many perplexing questions that life brings our way.  Some of the more significant are -

  • Does your family have a plan if you (or your spouse) didn’t wake up tomorrow?
  • Does your family have a plan if you (or your spouse) become disabled?
  • Whose education must you, or do you wish, to finance?  Have you calculated its cost?
  • Do you have a plan to achieve a retirement at the time and lifestyle of your choosing?  Have you calculated its cost, for both year 1 and year 30?
  • Do you anticipate being responsible for the health care costs of aging parents?  
  • Do you have a plan to pay for the costs of your own long term health care in the event of incapacity?
  • Do you have a desire to be involved in the financial affairs of your children or grandchildren while you are still alive? 
  • Do you have a desire to leave a legacy to your children, grandchildren, religious institution or charity?
  • Do you have a plan to protect your inheritable assets from estate taxation?

Financial planning is a life-long process that assists you and your family in taking control of your financial future. Most people find that managing their finances is a challenge. We face many opportunities, obstacles, and hazards along the way. We struggle with anxiety relating to our personal financial circumstances. Further, many families are too busy dealing with the challenges of day-to-day life to think about next month; let alone retirement, which may be twenty years or more into the future.

We will analyze your specific circumstances involving the areas of insurance, investments, employee benefits, taxation, education funding, retirement and estate planning.  The process we use assures that we will design a plan for your individual circumstances and risk tolerance. 

By setting financial goals, developing and implementing financial strategies, and monitoring progress on a regular basis, the likelihood of achieving financial success is greatly increased.