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| | I offer the full range of financial planning services including:
- General Financial Planning
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Based upon information provided by
the client(s), cash flow and net worth statements are prepared,
long-range projections are calculated based upon current
circumstances, and recommendations are made based upon those
projections. Insurance protection is analyzed and recommendations are
made based upon that analysis. All this information is then compared
to show you where you are now and where the recommendations will take
you on the road to financial security. This service is most
valuable to individuals prepared to implement a long-range financial
plan to carry them on the road to college expenses and retirement.
- Investment Planning
An analysis of investments is prepared
based upon the information provided. Recommendations are made based
upon that analysis and products are then recommended to fulfill stated
goals. This service is provided for non-qualified investments, 401(k)
or 403(b) accounts, IRA's, and most other investments available to
individuals. This service is most valuable to those people with a
lump-sum distribution to invest, whether qualified or non-qualified,
or those already involved in a long-range money accumulation program.
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- Insurance Planning
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Life, disability, and medical
insurance are analyzed in conjunction with work benefits to determine
the most cost effective products to use to guarantee long term
financial security to you family in the event of unexpected
circumstances. This service is of great value to almost all stages of
life.
- Retirement Planning
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Various factors including social
security, pensions, investments, 401(k) and IRA accounts are analyzed
in relation to retirement lifestyle goals and debt to best determine
what choices need to be made in leaving the work force and settling
into the retirement years. This service is of most value to those
within five years of retirement.
- Estate Planning
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In conjunction with retirement
planning, provisions need to be made for the transfer of an estate to
the next generation. Circumstances including total net worth,
insurance, qualified and non-qualified investments are analyzed to
prepare a plan best suited to the individuals needs and desires for
that transfer. Wills, trusts, and various other aspects of estate
planning are discussed and analyzed. This service is of most value to
retirees and should be used in conjunction with retirement planning;
however, could be of value to any individual at any age with an above
average net worth.
- Tax Preparation and Planning
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- Yearly preparation of individual tax returns and recommendations
made based upon those returns. If requested a total analysis of tax
reducing strategies can be made to help restructure and lower the
overall tax liability of the client. This service is of value to all
people in all walks of life.
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