Broker Check

Our Clients

Our office is designed to meet multi-generational planning needs from birth to the grave and beyond. We are the team that strives to assist you in building your legacy and we’ll be here, after you are gone to help implement any final wishes you may have. We can also assist in the residual estate distributions so your life work may help those individuals and causes that are special to you.

We strive to balance our planning structure within the reality of the ever-changing world. We are the group you may seek if you are looking for common-sense, down to earth support and advice integrated with comprehensive planning and strategic solutions. Our client base is filled with households similar to the following:

SINGLES depending on your unique situation, this can be a prime time to build a base for future investing. We help those who are just starting out and need a guide to help them with their initial planning cycle. We are committed to delivering core education so the inexperienced investor can get a solid start and understand how to build wealth early on in life.

BUSINESS OWNERS we have a complete suite of employee benefits and owner needs planning encompassing retirement plans, group life and disability insurance, key person insurance and business continuity planning.

MARRIAGE because married couples frequently argue about money, it’s important for all couples who are marrying to discuss money issues. In particular, couples should talk about how they handle money, whether they should keep their finances separate, whether they should own property together, and how they can budget their money once they’re married. In addition, if you are getting married, you and your future spouse should determine whether you may need more or less insurance after marriage and figure out how you can combine benefits you receive from your employers. You may also need a plan for the transfer of your assets, decide whether you need a prenuptial agreement, and plan for retirement together.

LIVING TOGETHER AS A NON-MARRIED COUPLE if you are planning on living together with another person as an unmarried couple, you can face most of the planning concerns that married couples face. However, unmarried couples also have special needs and concerns, particularly money and property ownership issues, which married couples don’t have to face. Since laws that affect couples are usually written with married couples in mind, they may not adequately provide for the interests of unmarried couples.

DIVORCE if you and your spouse are divorcing, you may need to alleviate some of the inevitable financial concerns that accompanies divorce. In particular, you may need advice about many issues, including child custody and child support, alimony, property settlements, tax strategies and other financial and legal issues.

BIRTH OR ADOPTION OF CHILD WITH OR WITHOUT SPECIAL NEEDS families who have a child born to them or who adopt a child find quickly that the arrival of a child is a life-changing event. Life becomes more joyful and more complex as parents adjust their daily schedules, finances, and future plans to help ensure that their child is well taken care of. If you are anticipating the arrival of a child, you may need to review your finances and budget, update your will, name a guardian for your child, and aim to make sure that you have adequate health, life and disability insurance.

If you want to adopt a child, you may need information on these topics and more. In particular, prospective adoptive parents need to know the ins and outs of the adoption process, and the need to consider the legal and financial issues surrounding adoption. If your child has special needs, you may need to find quality medical care or child care for your son or daughter; find resources and support groups throughout the community; and consider certain family and social issues that arise when a child with special needs is adopted or born.

FINDING CHILD CARE if you decide to work or go back to work after your child is born, you can determine what kind of child care would be best for your child, find quality child care, and figure out how to pay for child care. These issues are time-consuming for most parents, but parents of children with special needs may spend even more time researching child care due to more limited child-care options.

THE ACTIVE RETIREE who now needs to be very careful during their spending years. We deliver extensive ongoing planning support targeted at the special needs that the active retiree faces, include estate planning assistance with the development of customized estate plans. We are not attorneys, but we are part of a team that can develop the plans that reflect clients’ final wishes and help meet their final needs.

CARING FOR YOUR AGING PARENTS because many adults today are becoming first-time parents in their thirties and others are remarrying and rearing second families, an increasing number of adults are finding themselves in the “sandwich generation.” You may face having to pay expenses of growing children (including college expenses), plan for your own retirement, and support aging parents financially. Even if your parents don’t need financial help, they may likely need help in other areas.

One of the first concerns that you may face when caring for your aging parents is getting the information you need to help your parents plan for the future. It means locating important documents and records and evaluating your parents’ needs for housing, legal assistance, financial assistance, and medical assistance. You may need to rely heavily on resources and support available in their community, particularly when you live far away from your parents.

PLANNING A FUNERAL you may need to plan the funeral of a loved one or a family member or you may decide to plan your own funeral to lessen the burden on your family when you die. Although planning a funeral isn’t difficult, it’s often stressful, particularly when you plan a funeral when you’re grieving. There’s no right or wrong way to plan a funeral but you or your family members may have to consider your own preferences, tastes, and tradition. In addition, funerals can be expensive, and for many people, figuring out how to pay for a funeral is important. If you’re planning your own funeral, you may have time to put your wishes in writing and investigate options, with or without the help of a funeral director.