While developing a customized financial program, I will walk you through a step-by-step process that will help make you feel confident in your decisions.

Once your goals have been established, I will customize appropriate strategies to suit your vision and objectives. My financial practice is focused  on specific areas of expertise which include:

Retirement Planning Solutions to help my clients make the most of their employer-sponsored retirement plans and IRAs. I also provide the resources and financial software to determine when and how much you will need to retire comfortably. For those clients already enjoying retirement, automated income and distribution services are available to simplify that aspect of life.

Tax Efficient Investing that utilizes “tax-harvesting” techniques where applicable and by determining which dollars should be allocated into the type of account and the kinds of securities and funds that are designed to provide better after-tax returns. I am not involved in the actual preparation of tax returns but, have developed a network of highly qualified professionals with expertise in that area if a referral is needed. 

Estate Planning in coordination with attorneys and tax advisors who focus in this very important aspect of financial planning. It is still an under-utilized consideration that can benefit many investors and heirs alike, by passing-thru a greater percentage of accumulated wealth and having more control over how those assets are inherited and used.

Education Savings Strategies that focus on the benefits and establishment of 529 Plans, Coverdell IRAs, and to some extent even Roth IRAs, all of which can enable clients to stay ahead of the continually increasing costs associated with higher education.

Investment Planning with an personalized approach that coalesces the evaluation of current resources and expectations, along with stated financial objectives and lifestyle goals. Obviously it is not a one-size-fits-all approach that requires constant monitoring and adjustment dictated by changing market environments, as well as evolving goals and objectives over the years.