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College Savings

Fund Analyzer

Cash Flow Analysis

A review of your income and expenses helps provide advice on how any surpluses should be used, or how to reduce expenses if they exceed your income. Doing this will help you prioritize debt, build an emergency fund, and create saving strategies.

Risk Analysis

A risk management review includes an analysis of your exposure to major risks that could have significant adverse impact on your financial picture.  This looks at not only your investment portfolio, but also health care, long term disability, and life insurance coverage.

Net Worth Analysis

Your net worth is an indicator of you overall financial health.  This key financial indicator is calculated by subtracting your liabilities for your assets.  Knowing your net worth tells you where you are now if your finances are heading in the right direction.

Retirement Planning

A retirement plan is a roadmap to the future.  While working, I'll make sure your invested properly and saving the amount needed to live comfortably in retirement.  At retirement, we'll create a lifetime income strategy funded by Social Security, pensions, and investment accounts.

Investment Advice

Professional investment management services performed include asset selection, analysis and periodic portfolio rebalancing for investments held with the firm.  For held away investments such as employee sponsored 401k plans, we recommend investments that complement your financial plan.

College Planning

Ensuring that your children go to the college of their dreams is important for any parent.  Unfortunately, the cost of attending college continues to outpace inflation.  Coverdell Education Savings Account or 529 plan reduce taxes while allowing you to grow college savings.

Tax Strategies

Building a tax efficient savings and investment strategy helps reduce expenses while allowing you to put more money towards your financial goals.  An analysis of your current taxes can help reduce both your individual and small business expenses.

Business Consultation

We are available to assist both new and established small businesses in a variety of ways.  This ranges from recommending the proper business entity, ensuring the most effective tax strategy, employee retirement planning, retaining key personnel, and debt management.

Estate Planning 

This analysis examines your exposure to estate taxes and your current estate plan's will, powers of attorney, trusts and other related documents. Planning allows you to minimize estate taxes through the implementation of appropriate estate planning strategies.

Complete List of Investment Services

If you would like to know more about my investment strategy, costs, and expertise, feel free to review my disclosure statement.  Every financial advisor is required to provide a Form ADV prior do doing business with a client.  Mine is available for everyone to review.

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