personal financial planning

 Our goal is to develop a wealth management plan that meets your objectives we are available to assist you in coordinating with your other trusted advisors such as estate planning attorney, CPA, home and auto insurance agent, life insurance agent, and business consultant(s) if you own a business. If you don’t already have trusted advisors that you work with, we can recommend one or more professionals for you.

As your wealth management advisor, we work with you to: 

• Create a wealth management plan based on your financial picture
• Manage assets and investments to maximize growth
• Evaluate tax strategies to minimize taxes on your portfolio
• Manage risk and identify opportunities
• Make recommendations based on your priorities and preferences

When you use our retirement planning services, you benefit from our in-depth knowledge and years of retirement planning experience.

 Here's what we do for you:

• Evaluate your current financial situation, including assets and liabilities.
• Create a budget that meets your retirement goals, including how much you need to contribute to your current retirement plan to meet those goals.
• Review your Social Security account to determine the best time to begin taking your benefits.
• Make sure that you understand how other sources of retirement income affect the retirement planning process.
• Determine whether taking a lump-sum distribution or opting to take monthly payments is better for your particular financial situation.

 If you’re ready to start planning for your loved ones’ financial future, you probably have plenty of questions.  We’ve developed relationships with investment advisors, attorneys, and other financial professionals so that we are able to develop a long-term estate plan that meets the individual needs of every client. We also stay current on tax law changes that affect estate planning.

Here’s what else we do for you:

• Allocating assets to spouses, children, trusts, and charities
• Periodic review of estate planning needs as your family situation and finances change
• Gift tax strategies
• Business succession planning
• Trust administration
• Tax planning and preparation including estate, gift, and fiduciary tax returns

 Credit issues can cost you hundreds even thousands of dollars a year. Credit is part of your financial power. It helps you get the things you need now, and pay over time. Your credit history is very important to make purchases like a car, mortgage for a home, or qualify for a credit card. Credit also can determine your rate for auto insurance, utilities, and other similar services. Your credit history is like your consumer report card. It is based on your promise to pay later. Working to improve your credit helps ensure you'll qualify for loans when you need them and allow you to save money by getting better interest rates. 

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• Mortgages: Government, FHA, Conventional
• Fixed-Rate Mortgages-The standard type of mortgage is fixed-rate. With a fixed-rate mortgage, the interest rate stays the same for the entire term of the loan, as do the borrower's monthly payments toward the mortgage. 
• Mortgage (ARM) - With an adjustable-rate mortgage (ARM), the interest rate is fixed for an initial term, after which it can change periodically based on prevailing interest rates. 
• Interest-Only Loans - Other, less common types of mortgages, such as interest-only mortgages and payment-option ARMs, can involve complex repayment schedules and are best used by sophisticated borrowers. These types of loans may feature a large balloon payment at its end

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