It’s about you!  Our services primarily focus on long-term planning and investment management.  We tie these two issues together with tax planning, business ownership issues, estate and insurance planning.  Most importantly, we listen! Our team approach, extensive professional experience and formal educations enable us to provide a wide array of financial services.  Our team was created to support our clients for many years to come.

WHY TWO COMPLIMENTARY MEETINGS?

Your needs and interestscome first.  We offer two complimentary, interlaced meetings that provide you with foundation analysis of your overall situation, our initial observations of your financial picture and we may recommend some structural changes. 

MEETING #1 is all about you – We listen! We want to learn about you and your:

• Family – children, grandchildren, surviving parents – especially if there are financial requirements;
• Retirement plans and unique financial objectives;
• Annual cost of living;
• Existing investments, savings and annual retirement contributions;
• Life, disability, health and long-term care insurance;
• If applicable, your business(es), employees, succession planning and retirement plans; and,
• Existing or desired estate plan.

Meeting #2 commonly entails information and options we bring back to you:

• Provide a summary of the first meeting to help ensure we understood your overall picture;
• We may do a life projection based upon specific data you provided and agreed to assumptions (inflation, realistic rate-of-return) to get a feel for your ability to be financially secure;
• Analyze your existing investments – specific stocks, mutual funds, annuities and existing insurance;
• Make suggestions, if appropriate, on reallocation of existing assets;
• Suggest ways to potentially reduce your taxes;
• Encourage you to update or complete your testamentary planning (if applicable); and,
• Define the method(s) by which we can be compensated.

OUR PROMISES

1. Why two complimentary meetings? – You get to assess the “team” concept before you decide to work with us; working with us should be viewed as a collaborative effort.
2. Following the complimentary meetings you will have a clearer picture of the road ahead;
3. You will know how we would be compensated if you want to build upon the two complimentary meetings; and,
4. You will never be pressured to continue.