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A strong planning process is one of the best ways to create a more financially protected plan. It is crucial to create a financial plan that seeks to protect your needs now, and that plans for the future, in a tax efficient* manner. It is my goal to assist you to build a solid financial structure that will stand the test of time and that is designed to help you grow and build wealth for you and your family. I have established a process to do this, based on two key aspects of financial protection: asset protection and wealth creation. 

Our goal-based financial planning approach is designed to help you:

  • Define customized short- and long-term goals that help you choose only the right financial products and services for your situation
  • Identify roadblocks or gaps that might impact your financial planning strategy, and
  • Monitor your plan to ensure it meets your changing needs

Contact us today to find out more about my financial planning process and learn how a sound financial plan can help you achieve your goals. 

*We do not provide tax advice. Please consult your tax advisor.


Retirees who have prepared for their retirement usually rely upon three main sources of income: Social Security, individual or employer-sponsored qualified retirement plans, and their own savings or investments. A sound retirement plan will emphasize qualified plans and personal savings as the primary sources with Social Security as a safety net for steady income.

Ask us about: 

  • Social Security benefits
  • Employer-Sponsored qualified plans, including 401(k) plans, Simplified Employee
  • Pension Plan, or 403(b) plan
  • Traditional and Roth IRAs


When exploring the world of investments, it's important to gain a broad perspective of the various types for a clear understanding of how each of them can work towards achieving your objectives. Each has its own investment characteristics which, when applied individually, may not be appropriate for you financial profile; however, when they are strategically combined in a portfolio, they can work in concert to meet your investment objectives within your risk parameters. It is, therefore, important to consider all investments in light of your specific objectives and risk tolerance. 
Ask us about: 

  • Stocks as an investment for growth
  • Equity Mutual Funds
  • Index Funds
  • Investments for Income
  • Corporate Bonds 
  • Bond Mutual Funds


Managing your finances is an important component to any financial security plan. Along with the protection offered through insurance and the goal setting provided by investment choices, money management strategies help you manage your savings on a daily basis. 
From asset allocation to tax savings*, we can help you manage your money as effectively as possible, given your personal situation. 

For individuals:

  • Saving
  • Succession planning

For businesses: 

  • Financial planning for business owners
  • Business succession planning

*We do not provide tax advice. Please consult your tax advisor.


Business owners face unique challenges - and opportunities - in terms of financial planning. You've worked hard to develop your ideas into a successful business, or perhaps you're considering moving into self-employment. Regardless of your situation, choose a financial planning srategy that takes advantage of your unique situation.

If you are considering moving to self-employment, contact us to discuss how to revise your financial plan. Working together, we will help you adjust from a situation where a previous employer might have provided benefits, such as health or life insurance or a company pension. Also ask us about your succession planning!


Asset allocation is the process of selecting a mix of asset classes that closely matches an investor's financial profile in terms of their investment preferences and tolerance for risk. It is based on the premise that the different asset classes have varying cycles of performance, and that by investing in multiple classes, the overall investment returns will be more stable and less susceptible to adverse movements in any one class. 
All investments involve some sort of risk, whether it's market, interest, inflation, liquidity, or tax risk. An individualized asset allocation strategy seeks to mitigate the risks of any one asset class through diversification and balance. 

Individual Strategy
When done properly, and investor's allocation of assets will reflect his desired goals, priorities, investment preferences and tolerance for risk. Each individual's strategy is built on the careful consideration of the key elements of their financial profile:

  • Investment Objectives 
  • Risk Tolerance 
  • Investment Preferences 
  • Time Horizon
  • Taxation

Real Estate

In recent years, real estate has become less of a sure thing as investments, however, over a the long term, they can still be a good hedge against inflation. Investments such as Real Estate Investment Trusts (REIT) make it possible for smaller investors to participate in various sectors of real estate. Similar to mutual funds, REITs invest in a portfolio of properties in either the commercial market or multi-family residential market.

All of these investments entail market risk, which means there is always the possibility of selling an investment for less than its purchase price. Investors should fully understand their own tolerance for risk and should only consider investing as a long-term proposition. Market risk can be reduced through a well-conveived, broadly-diversified investment strategy consisting of multiple asset classes. Working together, we can help you identify your investment objectives and risk profile in order to create a customized, long-term investment plan.

Diversification is a method of controlling risk. It does not assure a profit of the avoidance of loss.