Personal- Goal setting, budgeting, and debt management.

           Insurance Reviews- Reviews of existing policies to ensure proper coverage for life, disability, long-term care, and personal liability.

           Taxes & Cash Flow- Understanding the impact of income sources and various investments on current and future income tax liability.

           Investments- Analysis of investment asset allocation including risk & return analysis and their effect on the clients’ investment portfolio(s),

                                     assessment of clients’ risk tolerance level.

           Education- General assistance in preparing to meet dependents’ continuing education needs, state savings plans (including 529 plans).

           Survivor & Beneficiary Planning- Cash needs in event of death, income needs of surviving dependents. 

           Retirement- Analysis of current strategies and investment plans to help achieve retirement goals.

           Estate- Reviewing estate-planning documents (including wills, living wills, power of attorneys and trusts).

           Giving- Review and develop strategies for giving to charity, family, and others.