Retirement income strategies are not just for the wealthy. In fact, retirement scenarios vary widely, as each of us is unique in terms of our assets, our income, and what we do with our time.

We’ll help you design a personalized comprehensive retirement plan to help you prepare for retirement while maintaining financial security. Our holistic approach to retirement planning means that we take the time to learn about your family, career, investment experience and special needs.

Our team of advisors can design your personalized blueprint or decipher whether you are on track with your current plan. We explore how investment options, such as Roth and Traditional  IRAs, annuities, mutual funds, and other diverse products can enhance your outcome. In considering your unique situation, we are able to create a plan that reflects your hopes and dreams.



Through understanding your unique financial story, we’ll help you develop a workable strategy.  Customized to your objectives, priorities  and values, your plan will also be evolutionary, taking into account ongoing changes in your life, your resources, and the personal financial decisions you need to consider.

We know investing in the market can be risky and, in reality, there is no guarantee. Our team strives to make recommendations that position your assets to work more efficiently, minimizing tax liability and maximizing money saved and invested toward the future.

It’s our priority to become your most trusted independent advisor and preferred strategic partner.



Our personalized wealth management services go beyond basic financial planning to include the coordination of investment management, retirement strategies, estate plan collaboration and tax service considerations.

We offer one on one advice or leverage our collaborative team environment as we consider your situational cash flow management, risk tolerance and numerous other factors that affect your investments.

Because we realize federal income tax laws and estate planning laws are complex and subject to change, we’ll collaborate with your accountant or estate attorney should your plan design require outside professionals to execute your strategy in the most optimal, efficient way possible.



Rising education costs require a forward-thinking plan.

We’ll show you how to earn money with your money to successfully prepare for your education needs.

As college costs are expected to continue climbing, our advisors help you plan for your child’s education expenses. We can incorporate life insurance and/or financial savings products to help you save college funds for yourself or for your children.



Long-term care (LTC) is any personal assistance you need to maintain your quality of life as you get older.

Some people think that long-term care only covers nursing home expenses. In fact, half of all long-term care services are provided in the home.  Long-term care coverage was developed to help offset the cost of these services. We offer long-term care insurance coverage as part of a life insurance policy*, either as rider or a linked benefit.

These solutions can  provide protection against long-term care costs and the ability to leave a legacy if these benefits are not needed. Our underwriters evaluate your past and current health situation so our financial team can then help you make the right move towards health-care considerations.


*Policy guarantees and benefits are not backed by the broker/dealer and/or insurance agency selling the policy, nor by any other affiliates, and none of them makes any representations or guarantees regarding the claims-paying ability of the issuing insurance company.



Strategically employed insurance policies can actually create opportunities for long term growth as well as income throughout your retirement.

By utilizing insurance as part of your financial plan, the policy becomes more than just death benefit protection.  In considering your insurance needs, we also reflect upon life changing moments such as marriage,  children or a job promotion.

We discuss how topics as market volatility and additional premium investments can affect your policy. Factors such as personal  objectives, time horizon and risk tolerance are balanced with any associated costs before investing.

Our recommendations are chosen based upon the complete picture to include the costs of insurance that vary with such characteristics of the insured as gender, health and age, underlying fund charges and expenses and additional charges for riders that customize a policy to fit your individual needs. Because this investment type is meant as a long -term solution, we take  Care to ensure the customized strategy is designed suited to your long-term vision.

Properly incorporated, insurance coverage doesn’t just protect your life, it protects your lifestyle.