Financial Planning Services

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Financial Planning Services

• Complete Financial Review

• Asset Allocation Recommendations

• Fact Finding & Needs Analysis

• Ongoing Monitoring & Review

• Full-Service Menu Options

Investments

You’ve made investments your whole life. Work with us to help make the most of them.

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Wedding Budget Calculator

Estimate total wedding costs and see how different choices affect your overall budget.

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Inflation and the Real Rate of Return

Learn about the role of inflation when considering your portfolio’s rate of return with this helpful article.

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Investment Services

• Full-Service Brokerage

• Mutual Funds

• Variable Life Insurance

• Variable Annuities

Student Loan Payoff Calculator: Extra Payments Can Save You

See how extra payments toward your student loans could shorten your payoff timeline.

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A Look at Diversification

Diversification is an investment principle designed to manage risk, but it can't prevent against a loss.

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Your Shifting Risk Tolerance

Time and market performance may subtly and slowly imbalance your portfolio.

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Retirement Funding

403(b)

TSA

401(k)

Social Security Analysis

Lump Sum Distributions

IRA

Roth IRA

Rollovers

Retirement Income Strategies

Can I Create a Roth if I’m Over the Income Limit?

Use this article to start conversations about the “backdoor” Roth IRA strategy.

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A Bucket Plan to Go with Your Bucket List

Longer, healthier living can put greater stress on retirement assets; the bucket approach may be one answer.

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Emergency Fund Calculator

Find out how large your emergency fund should be based on your monthly expenses.

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Business Planning Services

• Business Succession Strategies

• Buy/Sell Agreement Funding

• Deferred Compensation

• Key Person Insurance

• Non-qualified Discriminatory Retirement Plans

Protecting Your Business from the Loss of a Key Person

Business owners may be able to protect themselves from the financial consequences of losing a key employee.

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The Business Cycle

Understanding the economy's cycles can help put current business conditions in better perspective.

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The Economic Journey of Your Morning Coffee

Few contemplate the complex journey that brought their coffee from farm to kitchen table.

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Employee Benefit Services

• Business Succession Strategies

• Buy/Sell Agreement Funding

• Deferred Compensation

• Key Person Insurance

• Non-qualified Discriminatory Retirement Plans

Is a SEP-IRA Right for Your Business?

For some, the idea of establishing a retirement strategy evokes worries about complicated reporting and administration.

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Does Your Portfolio Fit Your Retirement Lifestyle?

Lifestyle considerations in creating your retirement portfolio.

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What is the Value of Your Business?

Ascertaining the value of your business is important for a variety of reasons.

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Life Insurance Services

Life Insurance

Long Term Care Insurance

Term Insurance

Linked Benefits

Impaired Risk Underwriting

The Other Sure Thing

A new LIMRA study shows that 40% of Americans believe the death of a primary wage earner would cause financial challenges.

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Insuring Your Business With a Buy/Sell Agreement

It may help your business be better prepared in the event of the death of a principal or key employee.

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What Is a 1035 Exchange?

1035 exchanges provide a way to trade-in an annuity contract or life insurance policy without triggering a tax liability.

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Education Funding

• College Savings / 529 Plans

• UGMA / UTMA accounts

A Cheat Sheet for Sending Your Kid to College

Dropping off your child is loaded with emotions; here are a few tips for a smoother experience.

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The Half Million Dollar Baby

The true cost of raising a child may be far more than you expect.

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Eight Mistakes That Can Upend Your Retirement

There are common mistakes you can avoid when saving for retirement.

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Estate Preservation

• Estate Analysis

• Strategies to Reduce Taxes

• Gifting Strategies

• Charitable Giving Strategies

• Estate Analysis

A Checklist for When a Spouse or Parent Passes

An overview of some fundamental steps when a loved one passes.

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Succeeding at Business Succession

There are a number of reasons for business owners to consider a business succession plan sooner rather than later.

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Understanding the Alternate Valuation Date

Executors can value the estate on the date of death, or on its six-month anniversary —the “Alternate Valuation Date."

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Partner Carriers

American Funds®

Fidelity Advisors®

Franklin Templeton Investments®

John Hancock Investments®

Putnam Investments®

Securian©

TransAmerica©

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