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FINANCIAL PLANNING
We believe that people are unknowingly and unnecessarily transferring amounts of their personal wealth. We help our clients identify "wealth transfers". This is real money that they are losing, and they don't even know it! We establish financial strategies to help minimize these "wealth transfers". We use these recaptured funds to provide safety and security for their family; and to protect, potentially grow, and enhance their personal wealth. We strive to help you #1 reduce the amount of risk that you are taking with your money, #2 reduce the amount of taxes that you must pay to the government, #3 increase the amount of your "spendable income" and #4 leave more for your family and future generations.
INSURANCE STRATEGIES
Life Insurance: What happens if you die too soon? Will your family be cared for? Life insurance can create that security for you and your family.
Disability Insurance: An accident or illness can prevent your ability to work, and significantly impact your finances and savings. We’ll help you avoid this disruption.
Annuities: Including an annuity into your financial plan can help provide tax advantages and generate regular income in retirement.
Long-Term Care Insurance: The cost of long-term care can pose a threat to your hard-earned savings. We help you prepare for those expenses in advance.
Healthcare Insurance/Medicare Supplements: Help navigating through the complex system of today’s healthcare.
INVESTMENT STRATEGIES
Mutual Funds: Mutual funds are an efficient way to invest, providing built-in diversification and simplicity for retirement savings.
Exchange-Traded Funds: In many ways similar to mutual funds, ETFs offer efficiency and diversification, along with the flexibility to enter and exit the fund at any time.
Stocks: The traditional process of buying and selling individual stocks can be part of an overall strategy for many investors.
Bonds: Bonds are included in many financial plans as a means to diversify outside the market, provide tax advantages, and help mitigate risk.
Managed Accounts: As money managers, our team can personally manage your specific portfolio of investments to help ensure it’s performing according to your plan.
Real Estate Investment Trusts: A wide variety of REITS, in various industries and with various risk levels, can offer another option for diversification outside the market.
DISCLAIMER: Neither the information nor any opinion expressed herein constitutes a solicitation for the purchase or sale of any securities and should not be relied on as financial advice. All investing involves risk, including the potential loss of principal, and there can be no guarantee that any investing strategy will be successful. Products sold only by prospectuses can be obtained through your registered representative. Before investing, investors should read and consider carefully the fund prospectus, which contains more complete information about investment strategies, fees, charges, risk factors and other factors that may apply. For advice appropriate to your specific situation, please consult a financial professional.