Do you have a financial plan to bridge the gap between where you are now and where you want to be? 

Investment Management

I can help you:

  1. Determine your comfort level with risk
  2. Design a portfolio that gives you the best chance of reaching your goals with the risk you want to take
  3. Manage all personal investments
  4. Provide ongoing advice on employer-provided plans

How I do it:

  1. Emphasize investments that are undervalued (value investing)
  2. Focus on investments that have a good track record (momentum investing)
  3. Include small and medium-sized companies for greater profit potential
  4. Rely on diversification without having too much
  5. You choose whether you want a buy and hold approach, or a strategic asset allocation approach which adjusts your portfolio based on investment and economic factors.
  6. Encourage you to stay the course with patience and discipline

Retirement Planning

I can help you:

  1. Figure out when you can retire, how much you’ll need, and what it will take to get there.
  2. Develop a consistent income stream that lasts as long as you do if you are already retired. 
  3. Create a retirement plan to make sure your needs are covered and that you still have extra funds for your bucket list.
  4. Help you decide when to take Social Security.
  5. Choose the right pension option to take.
  6. Build and manage an investment portfolio to make it all happen.

Tax Planning

I can help you:

  1. Project your taxes for the year.
  2. Look for ways to save money on taxes, both now and in the future.
  3. Calculate your withholding amounts or quarterly estimates.
  4. Minimize the tax impact of your investment portfolio.
  5. Work with your accountant, or refer you to one.

Insurance Planning

I can help you:

Protect yourself and your family by making sure you have adequate:

  • Cash reserves
  • Life
  • Health
  • Disability
  • Long-term care
  • and Liability insurance

Some insurance products I offer.  For the rest, I can refer you to an independent insurance agent who can help.

Debt Planning

I can help you:

  1. Create a plan to pay down your debt sooner
  2. Possibly lower your interest rates
  3. Get a good deal if you need new loans
  4. Refer you to good bank or mortgage broker if necessary

Estate Planning

I can help you:

  1. Understand exactly how the estate and probate process works.
  2. Create a plan to make sure your estate goes to your loved ones with as little expense and hassle as possible.
  3. Make sure you have the right estate planning documents.
  4. Make sure your beneficiary designations are what you want.
  5. Find a reputable estate planning attorney to draft the legal documents.

College Planning

I can help you:

  1. Figure out how much you need to save for college.
  2. Decide what types of college savings accounts to use.
  3. How to maximize financial aid.
  4. Complete the FAFSA.

Vacation Home Planning

I can help you:

  1. Save for and buy your dream vacation home
  2. Determine and maximize your profits on your vacation home
  3. Obtain competitive financing 
  4. Make sure your home is adequately insured, and you are protected from liability 
  5. Understand the tax implications of rental income and selling the home