Services


A comprehensive approach to your financial plan, including:



Tax Planning - Tax planning means thinking ahead, about the future, not the past. Our role is to develop some creative ideas to save money in taxes – income tax, estate tax and capital gains tax. Saving tax dollars can be a more powerful tool than achieving an equivalent rate of return. It's not how much you make – it's how much you keep.

 

Investment Planning - As an independent firm, we search the marketplace to find those products and services to best meet our clients' needs. - Stocks, Bonds, Mutual Funds -Fixed and Variable Annuities.

 

Insurance Planning - Life & Health insurance are an integral part of your overall financial plan. Our role is to help you make more efficient use of premium dollars, coordinating with employment benefits for optimal tax advantage.

 

Educational Needs Planning - Knowledge is Power. College education is important. How to pay for it and other types of higher education is equally important. With costs increasing rapidly, it is vital to plan now for future expenses and accumulate resources to meet these future needs.

 

Retirement Planning – It's never too soon to start saving for tomorrow.  We offer products and services in each of the following areas: 1. 401K 2. 403B 3. IRA 4. SEP 5. SIMPLE

 

Estate Planning - How do you want to be remembered? Minimizing estate taxes should not be the only goal. Structuring an estate plan to retain assets for those intended to inherit them, at the appropriate time, in the appropriate form can be meaningful for generations to follow. Use of creative planning strategies can help achieve these goals.

 

Business Planning - (For small & medium size businesses) The coordination of business planning & personal planning is essential to the achievement of attaining your goals. Areas of concern: -How to Attract and Retain Key Personnel -Executive Benefits & Employee Benefits -Succession & Continuity Planning -Tax Planning & Management Consulting -Technology & Marketing.

 

The Asset Management Service  - A fee based advisory service, which sets forth predetermined investment objectives, evaluates risk tolerance, liquidity needs, income goals and other factors as well. This service requires interactive communication between the investor and advisors. (N.Y. ADV – form available upon request)

 

The Financial & Management Planning Service  - This service combines financial planning concepts with principles of good management . . . for the individual or business owner who wants to save money in taxes, improve investment performance and make more efficient use of premium dollars. This service is designed to provide an analysis of cash flow, cost reduction techniques and overall financial enhancement. We accomplish this through a series of interactive meetings designed specifically to improve economic benefits by increasing revenues and reducing taxes.