Broker Check


How We Work

While developing a customized financial program, we 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, we will customize appropriate strategies to suit your vision and objectives. We can help you execute a sound financial program utilizing the following products and services:

Once we review this comprehensive game-plan, it will lead to our implementation phase which covers the following areas:

  • Protection management plans
  • Debt management solutions
  • Investment management strategies
  • Retirement & income strategies

Protection Needs

  • Life Insurance - The last love letter to your family, income replacement.
    • Term (death benefit only)
    • Term with Living Benefits

Debt Elimination

  • Debt Elimination Strategies - Debt snowball algorithm software

Investing Needs

  • Emergency Funds - Money markets & liquid accounts.
  • Tax-Exempt Investing - Withdrawals may not be subject to taxes.
  • Saving for College - 529 plans & educational accounts.
  • Fixed Accounts - Guaranteed principal protection, never lose value even if the market does! (guarantees based upon the claims paying ability of the insurance company).
  • Variable Annuities - Market growth upside potential with purchase of optional riders that offer downside guarantees to protect your lifetime income.
  • Non-Qualified accounts - Accounts that do not qualify for any level of tax-deferred or tax-exempt status.
  • Retirement - Will you outlive your money?
    • Mutual Funds - Nearly 50 fund families that we work with to find the right fit for you.
    • IRS Qualified Accounts - Roth, Traditional, SEP, Simple, 401(k)'s, etc.
    • 401(k) Rollovers or Transfers - Have you left money at an old job? Find out if it's appropriate to make a change.
    • Guaranteed Lifetime Income - Optional riders help protect against running out of money.

Action Plan

  • Our recommendations section - Goals are very important, but a goal without a plan will turn into a wish.
    • Life doesn't reward intention, it only rewards action.
    • 5 or 10 years from now, financially speaking, you will be exactly where you should be, depending on the action or in-action you took.
    • We provide free annual reviews for all our clients.

Small Business Solutions

  • Retirement Plans - 401(k)'s, SEP IRA's, Simple IRA's, etc.
    • Numerous cost efficient options.
  • Key Man Insurance - Protect your business in the event of a key-person in your business passing away. Protect your business now and get all your money back later.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you. |  (701) 212-6994