Individual Planning

Individual Planning

Retirement Planning:  Calculating what amount of money you would need to be able to retire based on your lifestyle.  Working with you on the best strategies to get there by making the most of managing employer-sponsored plans and IRA’s to maximize the “free money” of employer matching, managing assets before and during retirement, and budgeting to control expenses in retirement.

Tax Management: Looking for ways to help reduce your current and future tax burden with your investments and the proper strategies to do this.  Referring you to qualified tax specialists.

Estate Planning: Reviewing your wills, trusts, and other estate planning documents.  Helping preserve your estate for your intended heirs.  Helping with beneficiary designations.  Reducing the exposure to estate taxes and the time and costs of probate.  Coordinating with your tax and legal advisors.

Family Protection/Insurance Needs:  Reviewing your existing policies and contracts to see if you are getting the right amount of coverage for the best premiums currently available.  Calculating the proper need or amount of insurance and explaining the different insurance types to cover this.

Education Funding: Recommending investment and accumulation strategies to help you pay for your children’s or grandchildren’s education.  Looking at tax advantaged strategies such as 529 Plans, educational IRA’s, and tax-free insurance options.

Investment Planning:  Determining your asset allocation needs.  Helping you understand your risk tolerance.  Making you aware of all of the different investment options that may be appropriate to help you reach and exceed your goals.

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