Individuals & Families

Our financial planners will empower you to make informed decisions about your finances, focusing on the six areas of financial planning, all of which have an equal impact on a financial plan:

FINANCIAL MANAGEMENT

A review of your financial position will provide a better understanding of where you are right now. This financial picture will address your balance sheet, cash flow and debt management while determining if your savings are balanced and appropriate for meeting your goals.

RISK MANAGEMENT STRATEGIES

Analyze your situation and help find ways to protect your income and your assets. If you’re a business owner, evaluate your business at every stage of your life and as circumstances change.

WEALTH ACCUMULATION

Design a strategy to help you invest your assets to meet your financial goals, taking into consideration your personal situation and tolerance for risk.

TAX MANAGEMENT

When applied appropriately in conjunction with a financial plan, tax strategies can help reduce the impact of taxes on investment returns and income. While only your accountant or attorney may provide tax or legal advice, your financial planner can work with them to coordinate a plan that best suits your needs.

RETIREMENT PLANNING

Obviously, the earlier you start saving, the more flexibility and freedom you’ll have to choose the when, how and where of retirement. If you’re a business owner, your financial planner can show you how to take advantage of retirement strategies to help maximize your retirement savings while offering plans that can reward and retain top talent. And even if you’ve already retired, your financial planner can help to ensure that your savings continue to work for you.

ESTATE PLANNING

Proper estate planning can help you to pass on more of your wealth to your family and charities than to taxes. Together we can take into consideration the special concerns of young families with minor children, business owners who need to address succession planning, or grandparents who’d like to help their grandchildren go to college.

Product Solutions

Wealth Management Solutions

With wealth management services, our financial planners can simplify the investment process for you by designing a unique investment program catered to your needs. Our financial planners have access to a wide variety of programs and strategies that are designed to help you navigate your choices and connect you with investments to help you reach your financial goals. No matter where you are in life, our financial planners help you build, grow, and transition wealth through different life stages and for future generations.

Life Insurance

Life insurance can be the foundation of your financial security and can provide comfort and stability for your family. The purpose of life insurance is to help provide your loved ones with financial protection after you die, in exchange for the premiums you pay to your insurer during your lifetime. Some life insurance policies can provide you with financial protection for the short term, while others accumulate cash value, offering a living benefit that can be used for supplemental retirement income, funding for a child’s education, or cash for emergencies.

Disability Insurance

Disability insurance can help provide financial security for both you as the business owner and the company in the event of a disability. With this coverage, business owners will be able to maintain the business or transfer ownership of the company during an extended period of disability. Disability insurance can also provide benefits should principals become too sick or injured to work. These benefits can help to keep the business running by covering overhead expenses, or by providing multiple owners with a buy-out option.

Annuities

There are many different ways to think about retirement, and your dreams may not appear on anyone’s bucket list but your own. No matter how you envision retirement, having the freedom to live life your way will depend, at least in part, on having a secure source of reliable income. Annuities are one of the few sources of retirement income that can guarantee income for life.

Long-Term Care

For most of us, it is unpleasant to envision a time when performing routine tasks may become difficult as the result of injury, illness or aging. If the time comes when you need substantial assistance performing daily tasks, it is unlikely you will want cost to be the primary decision-making factor for your long-term care. Long-term care (LTC) services can be expensive and costs are generally rising. Planning early can help ensure that you have more control in receiving the type of care you want — in the setting you choose, should the need arise.