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We live in a constantly changing world as did our parents and grandparents. While the pace of change seems to be moving faster, adjustments to methods of financial planning and structuring need to happen. While our parents and grandparents faced change, they had company pensions and health insurance. How will you simultaneously build your wealth while protecting it from the wealth eroding factors of our time (such as inflation and taxes)? Through our financial coaching process, we can help you achieve a level of security that frees you to focus on what matters, enjoying your wealth.
Launched in 1927, the CLU® is the insurance profession’s oldest standard of excellence. Today, it continues to be the premier credential for insurance professionals who want to provide their clients with the security of life insurance and risk management. CLU® designees know how to serve the diverse needs of their individual and business clients through in-depth insurance knowledge, including expertise on life insurance products, aspects of risk management, the legal aspects of life insurance, and assisting clients in making decisions about estate planning, including various wills and trust arrangements. The American College of Financial Services is the premier educational institution dedicated to the development of financial services professionals. Graduates and designees of The American College of Financial Services have studied, passed rigorous exams, and proven that they not only have the technical knowledge to serve their clients, but have sworn to practice ethically and in the best interest of the people they serve.
The RICP® is the nation’s leading credential for building integrated and comprehensive retirement income plans. A key focus is understanding, choosing, and executing a sustainable retirement income strategy from available resources—whether that means using systematic withdrawals from a portfolio, building a retirement income floor with bonds or annuities, or using a bucket strategy. The program, developed by more than 45 of the nation’s top financial retirement advisors, provides RICP® credential holders with best practices in areas including: • Social Security claiming • Evaluating and addressing risks faced in retirement financial planning • Choosing distributions from employer sponsored retirement financial plans • Medicare and other health insurance choices • Planning for long-term care needs • Choosing appropriate housing • Retirement income tax and legacy planning The American College of Financial Services is the premier educational institution dedicated to the development of financial services professionals. Graduates and designees of The American College of Financial Services have studied, passed rigorous exams, and proven that they not only have the technical knowledge to serve their clients, but have sworn to practice ethically and in the best interest of the people they serve.
As investment fiduciaries, we are committed to do what is best for you, not for our firm. By teaching you how money works, we can help you make the best decisions for you and your family. By integrating and coordinating all your financial decisions, you will be pointed in the direction of protecting, building, and enjoying your wealth. Ultimately, you’ll have the control to pass your wealth along to the people you wish.
It’s also the foundation for intelligent, well-considered decisions. When you have retirement in sight, sound decisions are vital in helping you pursue your goals and avoid costly mistakes that can impact your future. For many, understanding every aspect of personal finance can be daunting. From investments to retirement to insurance, the decisions can be overwhelming.
As financial professionals, we are committed to helping people just like you create solutions for their retirement assets. Once we understand your risk tolerance, time horizon, and goals, we'll work to develop a program that carefully balances investment strategies with preserving principal.
Today’s economic environment brings challenges. But along with challenges come opportunities and potential rewards. We work closely with our clients to evaluate those opportunities and reap those rewards.
We invite you to check out all the material on our website. If something prompts a question, please send us an email or call the office.