Services

Our firm specializes in helping individuals develop sound retirement strategies. If you are retired – or approaching retirement – please take the time to explore our website and the wealth of information we offer. We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.

We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.

We help clients understand the dynamics of asset allocation when investing in the market, through the insight of random probability of an expected return (reward) that is influenced by time horizon; tolerance of risk and volatility.

We'll determine your asset allocation needs, helping you understand your risk tolerance, then recommend the appropriate investment vehicles to help you reach and exceed your goals.

• Fee-based asset management services
• Mutual Funds
• Variable, Indexed and Fixed Annuities

Let's make the most of your retirement years. Enjoy life. We'll help determine how much assets you need to retire comfortably, and manage those assets before and during retirement.

• Traditional IRA
• Roth IRA
• Rollover IRA
• SEP IRA
• Simple plans
• 401(k) plans
• Pension/Profit sharing plans

We'll review your exposure to loss and make appropriate recommendations by finding the best policy for your situation. If you have in-force insurance policy, we'll review your policies and recommend changes, if changes are needed.

• Group medical insurance with Kaiser Permanente
• Term and whole life insurance
• Long term care insurance
• Insurance needs analysis

Establishing a will and trust is a very important aspect of preserving your estate for you, your surviving spouse and your intended heirs. We help with beneficiary designations, reducing exposure to estate taxes and probate costs. We'll coordinate with your legal advisors to establish the proper estate planning vehicles so that you can be assured your wishes are honored.

• Business ownership succession planning
• Charitable remainder trusts
• Revocable and irrevocable trusts

Recommending investment and accumulation strategies to help pay for your children's or grandchildren's education.

• 529 plans
• Coverdell education IRAs

It is paramount that we develop a comprehensive plan that, also, takes into consideration your tax burden now, and in the future. If a wealth-building plan ignores potential increased tax burdens, then it may take much longer to reach your financial goals.

• Individual and business income tax consulting and preparation
• Estate and Trust tax consulting and preparation
• Tax representation

If you own an, established, small business that's in need of write-up and tax guidance, we're here for you. Our staff talented and dedicated staff is careful to meet your needs.

• Small business accounting and payroll services
• Business reporting agency returns
• Business advisory services