You deserve a financial plan customized to your core needs with careful selections to align toward pursuing your financial goals. As your advisor, I'll plan to meet with you to review and analyze your particular circumstances. We all have different needs and aspirations, and sometimes even preconceived expectations that we should consider. After careful consideration, together we will develop and implement a plan fit for you and your family, knowing that this plan will be dynamic, and that we will tailor various changes along the way.

My clients rely on me to provide detailed guidance on most aspects of investing including how to accomplish the following:

  • Protect loved ones and explore additional income streams with proper insurance
  • Determine the right fit when planning Long-Term Care strategies
  • Get retirement on track with proper investment allocation of Individual Retirement Accounts - IRAs
  • Implement smart tax planning using appropriate financial products such as Municipal Bonds and Life Insurance
  • Explore the right investment strategy including guidance on different types of Mutual Funds, Exchange Traded Funds (ETF's) and index funds
  • Using Fixed Income products that provide additional protection such as Certificates of Deposit and U.S.Treasury Securities
  • College Planning for children and grandchildren including 529 qualified tuition plan



Life Planning for Retirement

  • Traditional vs. new retirement
  • New retirement opportunities
  • The retirement planning process

Retirement Plan Distributions

  • Retiring or changing jobs?
  • Defined benefit and contribution plans
  • Lump sum vs. IRA transfer vs. annuity payments
  • Rollovers, direct rollovers and transfers
  • Annuity income and choices
  • Early retirement considerations
  • Minimum required distributions

Retirement Needs & Expenses

  • Early retirement trends
  • How long must your money last?
  • Inflation, prices and purchasing power
  • Retirement expectations
  • How much will you need to retire?
  • Can you retire today?


  • Considerations before you invest
  • Stocks and bonds
  • Mutual funds
  • Exchange traded funds
  • Unit investment trusts
  • Individually managed accounts
  • Tax-deferred annuities
  • Investment risk management strategies

Risk Management & Asset Protection

  • Disability income insurance
  • Health insurance and Medicare
  • Long-term care insurance
  • Comparing life insurances, including Whole Life, Term Life, Variable life and Indexed Universal Life Insurance.

Retirement Income Sources

  • Traditional IRAs
  • Roth IRAs
  • IRA to Roth IRA conversions
  • Other retirement income sources
  • Social Security eligibility and benefits
  • Employment income and Social Security
  • Employer-sponsored defined benefit plans
  • Employer-sponsored defined contribution plans

Estate Planning

  • Planning for if and when things go wrong
  • Taxes
  • Why a will may not be enough
  • Probate
  • Gifting assets
  • Joint ownership of property

Investment Options

We have available a wide-range of diversified financial products. Let me help you work through the many choices available, in an objective manner. I offer independent financial advice. Below is a collection of many of the financial products that we could consider:



  • NYSE-listed stocks
  • NASDAQ over-the counter
  • All other major exchanges
  • Margin accounts

Cash Management

  • Money market accounts
  • Insured CDs offered from many national banks

Retirement Accounts

  • IRAs
  • SEP/IRAs
  • Roth IRAs
  • Education IRAs
  • Simple IRAs
  • Qualified Plans

Mutual Funds

  • Open-end funds
  • Closed-end funds
  • Dividend reinvestment

Asset Management

  • Independent manager search
  • Performance monitoring and reporting
  • Wrap-fee accounts
  • Asset allocation


  • Treasury Bonds
  • Corporate Bonds
  • Tax Free and Taxable Municipal Bonds
  • Zero coupon Treasury Bonds

Government Securities

  • Treasury bills
  • Treasury notes
  • Treasury bonds


  • Fixed annuities
  • Variable annuities
  • Term life
  • Variable life
  • Universal life
  • Long-term care
  • Indexed Universal Live Insurance

Alternative Investments

  • Real Estate Investment Trusts.."REITS"
  • Master Limited Partnerships "MLPs"

College Planning

  • Education and 529 plans

For more information on any of the above investment products and services, please contact us.