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Retirement Planning

  • Evaluate pension plan structures, IRAs, Roth IRAs and qualified plans
  • Analyze distribution options for pensions
  • Calculate retirement plan benefits, including Social Security
  • Calculate IRS required minimum distributions (RMDs) and educate you on the regulations
  • Provide Roth IRA conversion calculations and advice

Investment Management

  • Consolidate investment paperwork
  • Provide 401(k), 403(b) or 457 investment advice
  • Evaluate investment alternatives
  • Explain investment ideas in a manner that makes it easy to understand
  • Provide secure on-line brokerage and stock-trading accounts
  • Provide annual asset allocation review and, as needed, account rebalancing
  • Conduct semi-annual review of investment statements
  • Review your investment strategy to maintain an individualized, high-quality portfolio
  • Create and review an investment policy statement tailored to your needs


  • Provide positive encouragement and motivation for effort and successes
  • Advise you to avoid reactive or emotional decisions which could negatively affect your portfolio
  • Support you through transitional phases: major illness, death, inheritance, job change, retirement, child birth, divorce, legal issues or other crises
  • Encourage you to save and invest
  • Evaluate your risk tolerance and help determine your tolerance for loss
  • Help you understand the various attitudes toward money and the financial decision-making associated with each of them
  • Resolve problems quickly
  • Provide friendly and knowledgeable support
  • Continue to seek out professional education for myself to better serve you

Economic Analysis

  • Provide economic and stock market updates and explain what it means to you
  • Help you evaluate the economic news to determine what you should and shouldn’t be concerned about


  • Provide investment information with a comprehensive approach
  • Keep you up to date with product, service, strategy changes and improvements
  • Conduct semi-annual financial review meetings, with calls as needed in between
  • Send quarterly newsletters or updates

Goal Related

  • Provide more confidence for financial matters, focusing on goals, priorities, direction and structure
  • Conduct annual planning evaluations and tracking of goals
  • Provide proactive follow up on action items
  • Develop, establish and track individual and family goals
  • Promote vacation planning and quality-of-life enhancements
  • Calculate net worth and review cash flow annually

Employment Support

  • Explain how to best utilize employer benefits
  • Analyze the economic benefits of employment offers
  • Evaluate stock options and distributions as well as restricted stocks

Self-Employment Issues

  • Provide small business operational advice
  • Evaluate current business insurance and provide options if needed
  • Provide referrals to business valuation specialists
  • Analyze and business purchase options
  • Help you manage retirement plan tracking and maintenance: contributions made, contribution limits, GUST amendments, profit sharing tax forms (5500), etc.
  • Analyze current employee benefits and provide options
  • Provide information on business transition or succession strategies
  • Provide guidance regarding business tax planning

Cash Management

  • Evaluate current holdings and look for opportunities to increase returns on cash accounts
  • Help determine an appropriate amount of “easy-access” funds to have available for emergency or opportunity

Liability Management

  • Analyze debt structure and organization and assess lending opportunities
  • Evaluate mortgage financing, the economic benefits of refinancing, semi-monthly payment programs, accelerated payment programs and PMI reduction strategies

Insurance Review

  • Evaluate current life, disability, long-term care, health, umbrella, property and auto insurance and look for opportunities for improvement or money savings

Income and Expense Analysis

  • Help prioritize your spending and prepare for potential pitfalls
  • Look for opportunities for additional savings

Income Tax Issues

  • Provide information about tax-planning strategies
  • Simplify tax reporting
  • Discuss the benefits of optimizing your 401(k), 403(b) or other retirement plan options
  • Provide capital gains and loss planning
  • Provide information on the benefits of section 125 plans and health-savings accounts
  • Help you reduce taxation of Social Security benefits
  • Provide a year-end capital gains/loss analysis

Saving for Education

  • Research opportunities and help calculate college financial aid programs
  • Educate you on the various minor account ownership options: UTMAs, Education IRAs, 529 plans, etc.
  • Conduct financial education programs for children

Estate Planning

  • Advise on the implementation and proper use of estate planning tools: wills, trusts and/or powers-of-attorney in conjunction with your legal advisors.
  • Provide education and guidance on charitable giving alternatives
  • Review ownership and beneficiary designations on all accounts

Personal Property Analysis

  • Calculate the benefits of purchasing versus leasing a vehicle
  • Analyze the economics of a second property or rental property


  • Analyze the effects of inflation on your goals
  • Provide referrals to CPAs and accountants, attorneys, mortgage brokers, and other professional advisors.
  • Provide notary services

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.