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Individual & Family Financial Management
We strive to help you reach your goals by making your money work for you.
When you think of your financial goals, whether it is buying a house, funding your children’s or grandchildren’s education, starting a business, or funding a secure retirement—it can seem overwhelming. It does not matter what your financial goals are, if you have a financial goal, you need to have a plan to reach it and we can help.
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College Funding
Saving enough for a college education, or even a portion of that amount can seem daunting. There are a variety of savings vehicles available to help you reach your funding goals for your child's or grandchild's education including 529 Plans, Coverdell Education Savings Accounts, and UTMAs. Read more >>
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Employment Transition
If a layoff occurs there are strategies for overcoming the setback. This course focuses on strategies to help cut costs when a dramatic job change has occurred. Resources are available to help with urgent needs and this course shows participants how to easily find them.
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Estate Planning
A sound estate plan can help you preserve wealth during your lifetime, as well as minimize your future estate tax liability. It can help facilitate the transfer of assets to future generations according to your wishes. There are many tools and techniques that can help you achieve your goals. However, the complex nature of many estate-planning strategies calls for a team of trusted advisors including an attorney and a tax professional. Read more >>
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Investment Analysis
We can provide strategies that may assist you in growing your assets or providing income. We focus on a balance of investments that you feel most comfortable with and we look at your specific investment goals. We diversify your investments among different asset groups to counter the negative effects of specific market cycles and evaluate the impact those investments will have on your investment objectives. Not putting all your eggs in one basket is sound investment strategy. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not ensure against market risk.
Risk Management
It is important to provide financial protection for your family and preserve your retirement assets. You need to make conscious decisions about the risk levels you will accept. Insurance is a hedge that can be used in all stages of life to help preserve your estate for your heirs, and protect your family or your asset base for yourself and your loved ones. We can assist you with Life Insurance, Long Term Care Insurance, or Disability Insurance.
The appropriate life insurance policy can help preserve the assets that you spent years accumulating. As things change in your life, the amount and type of insurance you need may change too. When you re-evaluate your financial plan (at least once a year), re-evaluate your insurance needs and the coverage you have. Insurance is not only for your beneficiaries, but can also be used as an investment vehicle during your life time. Insurance can provide tax deferral for you and a tax-free death benefit.
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Securities & Insurance products offered through LPL Financial & its affiliates,
Member FINRA/SIPC
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