What We Do

You may be saving for retirement, but are you planning for it?

Planning for your retirement and other long-range financial goals is an essential step – one that could make achieving those goals easier.

Growing and retaining wealth takes more than just investing. Along the way, you must plan to manage risk and defer or reduce taxes. A comprehensive financial plan addresses those priorities while defining your investment approach. It also changes over time, to reflect changes in your life and your financial objectives.

With a plan, you can set short-term and long-term goals and benchmarks. You can estimate the amount of money you will likely need to meet retirement, college, and health care expenses. You can plot a way to wind down your business or exit your career with confidence. You can also get a good look at your present financial situation – where you stand in terms of your assets and liabilities, the distance between where you are financially and where you would like to be.

Retirement Income Planning

With stable, lifetime income streams from employer pensions and Social Security playing an ever shrinking role, retirement income planning demands that each individual accept a higher degree of personal responsibility for both accumulating and managing the assets needed to pay for retirement. And managing these assets has to be done in a world where constant inflation, fluctuating interest rates, and sometimes volatile financial markets are a fact of life. In addition, the extended life span means the money you save has to last longer, although exactly how long is unknown.


We see the transition to retirement as a time of shifting priorities. As the era of accumulating assets winds down, individuals’ expectations for their investment portfolios begin to change. Generating a monthly income to cover living expenses becomes the dominant concern. Retirement brings a change in mindset. Instead of “How much can I make?” the question becomes “How can I make it last?”

Financial Planning

We provide our clients with comprehensive wealth planning and access to their own personal financial portal within our wealth management system. This portal gives clients a variety of account viewing options and the ability to download and print reports including balance sheets, digital vault contents, asset allocations, and more. Through this platform, we also have the ability to anticipate, alert and remind our clients of the financial factors that may impact their ability to achieve their goals.

Investment Management

Building a strategic investment plan to navigate the rail to your financial future can be complex, and comes with many twists and turns. This is why we begin with you. We start by understanding where you are, what your goals are, and then help you develop the strategy to get you there.


Tactical Investments

Tactically managed portfolios are designed to help investors avoid large drops and enable them to participate when markets are trending higher. By employing this type of strategy, clients are able to reduce portfolio risks, without being forced to use traditional bond/equity combinations. Therefore, in times when equity markets are expanding, there are greater allocations to equities when the markets are in great danger or large losses, the portfolio automatically reduces risk.


Strategic Investments

Strategic portfolios use fundamental analytics to properly allocate based upon Modern Portfolio Theory and macroeconomic data. The combination influences slight allocation shifts to optimize the risk/return expectation of the portfolio. Quarterly re-balances are performed to keep the portfolio from drifting away from the portfolio objectives.

Social Security Optimization

Along with any defined benefit, defined contribution plan and personal savings you have, Social Security plays a key role in a good retirement plan.

Insurance Planning

The right use of a well-designed insurance strategy can help create and protect wealth for both family and business needs. We have extensive experience in assessing your insurance needs, your overall financial picture, and the insurance that would best fit your situation.


We will utilize a comprehensive review process that will help analyze your current insurance strategy as well as assess any adjustments and changes that would help optimize your options. We look at all types of insurance options including:


  • Disability
  • Long-Term Care
  • Whole and Term Life Insurance


Through the review process, we can determine if you have enough coverage, if you have the right coverage, and if your coverage is properly structured.


Life insurance is designed to help solve the problems created when someone dies prematurely. An annuity, on the other hand, is designed to protect against the possibility of living too long. An “fixed indexed” annuity is a contract between an individual and an insurance company. In exchange for a single, lump-sum premium, the insurance company agrees to begin paying a regular income to the purchase for a period of years or life.


There are different types of annuities and purchasing an annuity can form an important part of a retirement income plan. However, annuities can be complex products to navigate. This is where we can help. We have the knowledge and experience to help you find the type of annuity that is right for your retirement income plan.

*Annuity guarantees are backed by the financial strength and claims paying ability of the issuing insurance company. Financial products and services if recommended may include investment advisory fees, commissions and/or other charges.

Your Personal Financial Website

Through your personal financial portal you will have the ability to aggregate all of the important data within your financial world and access a consolidated, real-time financial snapshot from anywhere at any time.


Our  financial planning system will help to give you a better understanding of where you are today, what it might take to get you to tomorrow, and where you may be able to expand your financial plan.

This portal gives you the power to view and monitor accounts and asset allocations, download and print reports, create budgets, and even alert you of the financial factors that may impact your ability to achieve your goals.


In addition, you will be able to view calculators that show the possible outcome of changes to your plan based on items such as age, short-term and long-term goal funding, savings goals and alterations to your asset allocations.

Let’s Work Together