Our firm offers a complete array of financial planning
services and will work closely with you to help you achieve
your financial goals. We will help you determine your net
worth and plan a workable budget to meet your expenses. Our
financial planning services include retirement planning, college funding, estate planning, and
It is never too
early to start planning for retirement. If you want to live
the same lifestyle--or an even better one--than you do now,
you need to start planning for retirement...NOW. We will
help you compare the relative benefits of various financial and other retirement assets, and will explain the
differences between such retirement plans as standard IRAs,
tax-deferred annuities, and Roth IRAs. We can analyze your
projected income and expenses and suggest funding techniques to help you ensure your golden years 10,
20, and even 50 years from now live up to your
We offer estate
planning services to help you minimize federal and state
estate tax liabilities, and to determine if you will have a
deficit or surplus of assets after taxes and settlement
costs have been resolved. We will endeavor to protect your
heirs from the unneeded emotional devastation that can be
caused by estate tax levies.
Debt And Financial Services
Many Americans are facing the pain of large credit card or
student loan balances that they do not know how to pay off.
We offer complete debt and financial counseling services,
including installment debt consolidation, refinancing, and
The costs of a college education are continually rising,
far outstripping the normal rate of inflation. We will help
you determine your best approach to save for your
children’s education, which could be either a 529
plan, prepaid tuition plan, or Coverdell account.
We’ll also help you take advantage of other
tax-favorable treatment of education expenses, such as the American Opportunity and Lifetime Learning Credits.
We all know how critical the housing crisis has become.
We’ll help you determine whether you qualify for a
mortgage based on your current and projected income, and
we’ll analyze the advantages or disadvantages of
fixed-rate and adjustable mortgages as well as other
aspects of home financing. For older homeowners,
we’ll discuss options such as using a reverse
mortgage as a source of income.