We begin by getting a clear understanding of your overall financial goals and your goals for each investment account. We discuss your investment preferences and concerns, your attitudes toward risk, and your time frame for the assets in each account. To implement your various investment strategies, we'll work with you to build appropriately diversified portfolios with access to:

• Managed Accounts
• Mutual Funds
• Individual, Joint, and Trust Accounts
• IRAs and Roth IRAs
• 529 Plans
• Fixed and Variable Annuities

We discuss your general attitudes toward risk, identify various risks and review available options to help manage and mitigate those risks. We perform a full policy and beneficiary review, along with a review of trusts that may own certain policies.

• Life Insurance
• Disability Income Protection
• Long-Term Care Solutions
• Business Income Continuation, Succession and Estate Conservation Strategies*

We provide a consultative review of all employee benefits, helping ensure that any benefits offered are fulfilling their intended purpose and remain cost-effective. We can propose solutions in the following areas:

Qualified Retirement Plans, Pension and Profit Sharing Plans

• 401(k) Plans
• 403(b) Plans
• Profit Sharing Plans
• SEP IRAs
• SIMPLE Plans
• Executive Deferred Compensation Plans
• Cash Balance Plans integrated with Defined Contribution Plans

Group Insurance

• Health and Dental Care
• Life Insurance
• Short-Term and Long-Term Disability Income Coverage
• Long-Term Care Insurance

One financial goal that most parents share is a college education for their children. With college costs increasing fasterstablishing a college fund and taking action today.

• 529 Savings Plans
• Coverdell Education Savings Accounts
• Tax-Deferred Plans*