Financial Planning
Whether it’s owning your own home, funding your children’s education, or creating a stress-free retirement, a financial plan is considered vital in working towards your goals. We use a consultative approach to create a financial plan that aims to meet your objectives.
Retirement Planning
Retirement planning is the process of planning for income needs during retirement. However, the planning process that takes place during your working years will go a long way toward ensuring that those income needs in retirement are met.
College Planning
It’s never too soon to start planning for a child’s college education. Although the obstacles may seem high a college education for your child or grandchild is still attainable, but it is not automatic. The good news is there are ways to begin saving that can make it happen. The sooner you begin, the longer the money you put away can work.
Life Insurance and Long Term Care Planning
Life insurance was once viewed simply as a means of risk management to protect against financial loss in the event of a person’s death. Today, it’s an important part of an overall strategic financial plan.
Asset Allocation
Asset allocation is an investment strategy that aims to balance risk and reward by apportioning a portfolio's assets according to an individual's goals, risk tolerance and investment horizon. The three main asset classes - equities, fixed-income, and cash and equivalents - have different levels of...
Estate Planning
Estate planning is the process of planning for the transfer of a person’s wealth and assets after their death. The estate planning process involves planning for how your assets will be preserved, managed and distributed after death.
Brokered CD's
A brokered certificate of deposit (CD) is a CD that an investor purchases through a brokerage firm, or from a sales representative other than a bank. Although the bank still initiates the CD, it outsources to firms that aim to locate potential investors. These types of CDs generally command a higher...
Exchange Traded Funds
An Exchange Traded Fund is a security that holds a basket of stocks, bonds, commodities or other assets. They are called exchange traded because similar to common shares of stock they can be bought or sold on a market exchange. ETFs differ from mutual funds in that shares in open-end mutual funds...
Fixed and Variable Annuities
An annuity is a contract between you and an insurance company. There are many different types and options with both fixed and variable annuities, however all annuities are meant to be long term, tax deferred investment vehicles designed to create an income stream for the annuitant.
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