Services

Our firm specializes in helping individuals develop sound retirement strategies. If you are retired – or approaching retirement – please take the time to explore our website and the wealth of information and products we offer. We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.


We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.

Investment Strategies

Crafting tailored investment strategies for your financial goals.

  • Bonds: Corporate

    A corporate bond is a bond issued by a corporation in order to raise financing for a variety of reasons such as ongoing operations, M&A, or to expand business. This term is applied to longer-term debt instruments most of the time, with maturity of at least one year.

  • Bonds: US Government

    A government bond is a debt security issued by a government to support government spending and obligations. Government bonds can pay periodic interest payments called coupon payments. Government bonds issued by national governments are often considered low-risk investments since the issuing government backs them.

  • Bonds: Municipal Tax-Free

    Municipal bonds generate tax-free income and therefore pay lower interest rates than taxable bonds. Investors who anticipate a significant drop in their marginal income tax rate may be better served by the higher yield available from taxable bonds

  • Bonds: TIPS

    Treasury Inflation-Protected Securities, or TIPS, are inflation-protected bonds (IPBs) that are issued by the U.S. Treasury. Their face value is pegged to the CPI and adjusted in step with changes in the rate of inflation.

  • Stock

    A stock  is a security that represents the ownership of a fraction of a corporation This entitles the owner of the stock to a proportion of the corporation's assets and profits equal to how much stock they own. Units of stock are called "shares."

  • ETF's

    An exchange-traded fund (ETF) is a basket of securities that can consist of stocks, bonds, commodities, real estate, or other financial assets. You can buy and sell ETFs on an exchange just as you would a stock. By design, they strive to offer liquidity, transparency, and tax benefits.

  • Mutual Funds

    A mutual fund is a kind of investment that uses money from investors to invest in stocks, bonds or other types of investment. A fund manager  decides how to invest the money, and for this he is paid a fee, which comes from the money in the fund.

  • Options

    Stock options give the holder, usually an officer or employee, the right to buy stock of the issuing corporation at a specific price within a stated period. 

  • Futures

    Futures are derivative financial contracts that obligate the parties to transact an asset at a predetermined future date and price. Here, the buyer must purchase or the seller must sell the underlying asset at the set price, regardless of the current market price at the expiration date.

  • Yen ETF's

    Yen ETFs invest primarily in yen-backed assets, including short-term debt instruments and bonds, or simply hold the spot currency in interest-bearing accounts. 

Investment Accounts

Explore diverse investment accounts designed for your needs.

  • Educational IRAs

    An education IRA is a tax-advantaged savings account used to pay for children's' educational expenses. They are formally known as Coverdell Education Savings Accounts. Educational IRAs are similar to 529 savings plans but with some key differences.

  • Traditional IRAs

    Traditional IRAs allow individuals to contribute pre-tax dollars to a retirement account where investments grow tax-deferred until withdrawal during retirement. Upon retirement, withdrawals are taxed at the IRA owner's current income tax rate.

  • Roth IRAs

    A Roth IRA is a special retirement account where you pay taxes on money going into your account, and then all future withdrawals are tax-free. You can't contribute to a Roth IRA if you make too much money.

  • SEP IRAs

     A SEP IRA is a retirement plan that an employer or self-employed individual can establish. The employer is allowed a tax deduction for contributions made to the SEP plan and makes contributions to each eligible employee's SEP IRA on a discretionary basis.

  • Simple IRAs

    A SIMPLE IRA is the small-company version of a 401(k) plan that is subject to many of the same rules as traditional IRAs. This workplace retirement savings account allows eligible employees to invest a portion of their pretax salary into an individual account and receive mandatory employer contributions.

  • Rollover IRAs

    A Rollover IRA is an account that allows you to move funds from your old employer-sponsored retirement plan into an IRA. With an IRA rollover, you can preserve the tax-deferred status of your retirement assets, without paying current taxes or early withdrawal penalties at the time of transfer.

  • Beneficiary IRAs

    An inherited IRA, also known as a beneficiary IRA, is an account that is opened when an individual inherits an IRA or employer-sponsored retirement plan after the original owner dies. Additional contributions may not be made to an inherited IRA. Rules vary for spousal and non-spousal beneficiaries of inherited IRAs

  • Consolidated IRAs

    Consolidating your retirement assets into a Rollover IRA can help you manage these assets carefully and efficiently over the long term.

  • 72T IRA Distributions

    Rule 72 allows penalty-free withdrawals from IRA accounts and other tax-advantaged retirement accounts like 401 and 403(b) plans. It is issued by the Internal Revenue Service The IRS still subjects the withdrawals to account holder's normal income tax rate

  • Brokerage Accounts

    A brokerage account is an arrangement where an investor deposits money with a licensed brokerage firm, who places trades on behalf of the customer. Although the brokerage executes the orders, the assets belong to the investors, who typically must claim as taxable income any capital gains incurred from the account

  • TOD Accounts

    On a nonretirement account, designating a beneficiary or beneficiaries establishes a transfer on death registration for the account. For an individual account, a TOD registration generally allows ownership of the account to be transferred to the designated beneficiary upon your death.

Financial Planning

Empowering your future through comprehensive financial planning.

  • Retirement Plans
  • Tax Plans
  • College Planning
  • Income Planning
  • Business Succession Planning
  • Social Security Record Notation
  • Defined Benefit Plans
  • Defined Contribution Plans
  • 401(k) Planning
  • Individual 401(K) plan
  • 403(b) Planning
  • 457 Plans
  • Money Purchase Plans
  • Profit-Sharing Plans

Insurance

Protecting your assets with robust and personalized insurance solutions.

  • Disability Income Insurance
  • Long-Term-Care Insurance
  • Term Life Insurance
  • Whole Life Insurance
  • Market Based Life Insurance
  • Market Based Annuity Contracts
  • Fixed Annuity Contracts
  • Fixed Indexed Annuity Contracts
  • Annuity Annuitization
  • Reverse Annuitization

Contact us today to see how we can help

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