Services for Individuals
Financial planning is about creating a unique path of potential opportunities for each and every client. That’s why we strive to learn about how you live your life today. We will then help you create a customized investment strategy as the first step on the road to helping you build, conserve or distribute your assets. Whether you require wealth management, 401(k), life insurance or college planning assistance, we can act as your long-term asset management team.
Wealth Management
By understanding your individual objectives, we can help select investment alternatives and services suited to meet your financial needs and your tolerance for risk. We will consistently review portfolio and design strategies that can help manage your wealth and preserve your income, while addressing any individual investment issues you may have.
401(k) and IRA Rollovers
Are you changing jobs? Switching careers? Taking early retirement? If you are receiving a distribution from a company retirement plan, there are important factors to consider regarding tax penalties and asset protection. We can assist you in rolling over your 401(k) into an IRA to help preserve and reallocate your retirement income – so you don’t crack your nest egg.
Retirement Planning
Retirement is a major concern for most investors today. We’re living longer, so we have more retirement years for which to save and invest. In addition, the markets can fluctuate, Social Security is uncertain and corporate 401(k) plans are changing in ways that leave us more responsible for retirement saving and investing. Together, we can help you choose investment alternatives that guide you through the changes in your life that can affect your retirement savings, as well as assist in preserving your income for the future.
Life Insurance
A regular review of your insurance coverage is important in determining whether you and your family are prepared for the unexpected. We can help calculate your life insurance needs, factoring in future changes in your finances and the rate of inflation. Adequate insurance can help replace the income of a spouse or provide additional income so that your children will be adequately cared for and family life will continue to run its course.
College Planning
Investing in your children’s educations is important. But college planning can be a challenging task – time is short and costs are high. The average annual cost for attending a four-year private college has doubled over the last 20 years, and tuition at a public university has also risen significantly. That’s where we can help. We’ll develop a strategy that is right for you and your family, helping you prepare for the rising cost of education with options such as a 529 plan or a Coverdell ESA.
Estate Planning
Peace of mind takes planning. That’s why we can offer you alternatives that help protect and preserve your hard-earned assets for your heirs. Whether it’s providing income for a spouse, educating children or grandchildren, or leaving money to a favorite charity, we will help you develop an estate plan or a trust that allocates your assets the way that you want.
Resources
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