“We help you achieve your financial dreams and retirement aspirations.”

Setting up a financial plan is a five-step process:

Step One: Organize Your Financial Life
The first key to a successful plan is to get organized. We help arrange your financial paperwork. This includes gathering all relevant asset classes, insurance and annuity contracts as well as real property such as your home and rentals. You will also want to be reviewing your liabilities such as mortgages, consumer or business debt so we can evaluate your net worth. Part of this overview ascertains how your assets i.e. joint accounts, held in trust, and beneficiaries, are owned.

Step Two: Understanding Your Tax Situation
The coordination of investment and taxes can add value to your financial plan.  We will view your tax returns, which gives us a full understanding of your relevant federal and state tax picture.

Step Three: Recommendations and Projections
After we have reviewed all of your financial matters, we will make initial and periodic recommendations based on your major concerns, priorities and goals. We know that savvy, well-informed clients make better financial decisions. Confidence, trust and mutual respect are the cornerstones of a successful financial partnership. We wish to provide exceptional client service by establishing a relationship both parties will value for years to come. Our recommendations are based on careful evaluation of your financial and tax management goals.

• Accumulation Plan:   This process involves building investment assets through systematic savings and/or lump sum deposits. Projections are monitored closely through periodic investment reviews. This may include planning for education expenses.
• Retirement Plan: This incorporates powerful accumulation techniques through tax-saving investment choices and various rollover and pension plans.
• Distribution Plan: How to help produce and preserve your assets to provide a lifetime of income in the most tax efficient manner. 

Step Four: Insurance Protection
As independent life insurance agents, if you have dependents or business partners relying on you financially, we will want to review any current life insurance and potential needs. A financial planner also needs discuss your liability and long-term care insurance. Over time, we might help with various aspects of insurance protection.

Step Five: Review Your Estate Plans
We will work with your attorney or recommend appropriate legal counsel if needed. Succession planning ties into how your beneficiaries are designated to meet your objectives. There are many legal tools to help protect you and your family’s interests.

How are we compensated?  Either through a fee based arrangement or through commissions on investment and insurance products. We pledge to offer you a choice of fee or no fee services when possible so that you can determine your preference. You may wish to incorporate part or all of these financial aspects.

The following article demonstrates how a coordinated financial team can help you reach your monetary goals: Assemble a Financial Team that will help ensure your success.