FINANCIAL PLANNING

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Individuals and businesses are beginning to realize their need for guidance in planning their financial future.  We want to help design a comprehensive financial analysis that will provide helpful information needed to make informed decisions. 

We use time-tested methods of accumulating and preserving assets through investment balance, risk management, budgeting, and systematic savings.  These methods can help you make the most of what you have.

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INSURANCE PLANNING

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Risk management is an important element in the overall planning process.  We provide a variety of products to help serve you in this area. 

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·        Term Life Insurance

·        Fixed Annuities

·        Long Term Care Insurance

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INVESTMENT MANAGEMENT

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With our industry relationships, we can offer an extensive array of investment alternatives.

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·        Mutual Funds

·        Variable Annuities

·        Real Estate Investment Trusts (REIT)

·        529 Plans

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RETIREMENT PLANNING

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Through various custodians, we offer retirement plans, tax-sheltered investments, and other tax advantaged plans such as:

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·        Individual Retirement Accounts (IRAs)

·        Roth IRAs

·        Simple IRAs (for business owners)

·        Simplified Employee Pensions (SEPs)

·        Profit Sharing and 401K Plans

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EDUCATION PLANNING

 

To assist you in planning your children’s/grandchildren’s future, we offer the following accounts:

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·        Custodial Accounts (UTMA/UGMA)

·        Education Savings Accounts (Education IRA)

·        529 Plans

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