Our Services
Retirement Planning
People entering retirement are facing new concerns. As healthcare is improving and life expectancies rise, you are likely to live longer during retirement than past generations. Unlike your parents who likely had their retirement funded mostly with guarantees made by their employers and the government, the assets you have accumulated may be your primary source of cash flow. I can partner with you to create a plan considering the level of assets needed to fund your vision of retirement including likely income needs, potential tax implications and risks that can stand in the way of realizing your vision.
Education Planning
Funding your child's education may be one of the most important expenses you will face. A college education can greatly increase your child's earning potential over a lifetime. However, the longer you delay starting a college savings plan, the more money you may have to save. Although the most important considerations in choosing a college program are educational, there are financial ones as well. With my help, you and your family can help understand the costs of a college education and evaluate ways to help you start saving today.
Professional Money Management*
Today's investment atmosphere presents many challenges. It is not easy to know what to do or where to turn when planning your financial future. Given this environment, more and more investors are turning to qualified financial advisors like me to assist them in creating a customized portfolio based on their individual needs.
Investment Management*
Together, we can create an investment strategy that is designed just for you with your unique goals and needs in mind. I will build an investment plan that considers your investment goals, comfort level, expectations, and the effect of taxes on your portfolio. Because investment management is something that should be adjusted as your goals evolve and your portfolio changes, I will work with you on an ongoing basis to monitor your portfolio and rebalance it as needed.
Cash Flow and Debt Management
Without a clear picture of what money is flowing in and out each month, it is impossible to make informed decisions with respect to the other wealth management issues that affect you. Your debt level and credit history are also important barometers of your financial health. Good debt management ensures you have credit when you need it, make wise borrowing decisions, and avoid disaster if you become overextended. We can identify where your cash is going each month and evaluate potential opportunities to improve your cash flow through tax strategies and debt management.
Family Risk Management
Even the best investment plans can crumble if you have not properly prepared for the unexpected – risks that exist for every family such as disability, death, or a long-term-care need. I can evaluate your current risk plans to determine if they are adequately meeting your needs at this stage of your life and as you plan for the future. I will make suggestions that not only address your risk management needs but also consider the tax implication of these changes.
Legacy Planning
A legacy plan ensures that what you want to happen will happen at the time of your passing. Without a good plan, the government may be in a position of dividing your assets between members of your family and may not make the same decisions you would. Also, your family may be forced to give up a substantial portion of their inheritance to taxes, causing significant financial burden during an emotionally devastating time. I can help you create a plan that minimizes the estate taxes that may be incurred and maximizing the amount of money going to your family so they don’t have to guess what you would have wanted.
Accounting and Bookkeeping Services
We cater to individuals and small businesses and offer as much or as little assistance as needed. We can help with your tax deposits, quarterly reports, annual reports and wrap all of this information into your tax return. This allows you to focus on making and spending your income rather than on counting, accounting for and reporting it. Our clients receive services that range from full charge bookkeeping and payroll services to retirement planning and assistance managing their monthly personal finances.
Tax preparation
We guarantee the accuracy of each and every professionally prepared return that leaves our office. This allows you to leave our office with the peace of mind that comes with knowing that our over 60 years of service stand behind our work willing to offset any penalties caused by our errors. Ours was one of the first firms in the nation to offer electronic filing and we now, as always, offer FREE electronic filing with paid return preparation.
Additional Services
•Stocks*
•Life Insurance
•Mutual Funds*
•Long-Term Care
•Bonds*
•Annuities