Products and Services

While developing a customized financial program, I walk my clients through a step-by-step financial planning process. Once their goals have been established, I can customize strategies designed to match the client’s goals and objectives. The following are services that I offer:

• Financial Planning
  • Retirement Planning
  • Retirement Income Planning
  • Survivor Income Planning
  • Estate Planning
  • Disability Income

• Retirement Plan Investments
  • Individual Retirement Plans
    • Traditional and Roth IRA
    • Conversion Roth IRA
    • IRA Transfers and Retirement plan distribution education
  • Business Retirement Plans
    • 401(k), Roth 401(k), Individual 401(k), Individual Roth 401(k)
    • 457, 403(b), 401(a), Keogh, Profit Sharing, Money Purchase Plans
    • SIMPLE IRA, SEP IRA
    • Defined Benefit, Defined Contribution
    • Deferred Comp

• Portfolio Construction with different investment products chosen in a combination that suits each client
  • Stocks
  • Mutual Funds
  • Annuities
  • ETF’s – Exchange Traded Funds
  • Closed End Funds
  • UIT’s – Unit Investment Trusts
  • Bonds
    • Corporate
    • Municipal
    • US Govt
    • Mortgage Backed Securities
  • Brokerage CDs

• Insurance ¹
  • Term
  • LTC - Long Term Care
  • Whole Life
  • Life insurance for children
  • Medicare Supplement
  • Universal, Indexed Universal and Variable Universal Life Insurance

• Trusts - Revocable & Irrevocable ²

• Educational Funding
  • 529 College Savings
  • Coverdell Education
  • UTMA’s

• Health Savings
  • HSA’s – Health Savings Accounts