Our Services

If we could first know where we are, and whither we are tending, we could then better judge what to do, and how to do it."

--Abraham Lincoln

Creating a Map to Help You Reach Your Goals... Simply put, our job entails developing a complete and impartial analysis of your total financial objectives, prioritizing these objectives, and designing, implementing and monitoring a plan to work toward your objective and goals. Our services can be grouped into the categories below...with the components of each category listed.
	Financial Assessment and Strategy These are the specific areas we would examine in terms of your current situation and your "wish list": Investment Planning Cash Flow Management Tax Planning Education Planning Protection Planning Retirement Planning Estate Planning
	Investments Here we determine the right mix of investment asset classes that will help you work toward your goals. Some investment opportunities to examine may include: Stocks and Bonds Mutual Funds Annuities Fee-based Accounts Money Markets Certificates of Deposit Real Estate Trusts
	Retirement Plans Helping you plan for a comfortable retirement is often perceived as the most critical role. We will help you determine the right combination of: Employer Sponsored Plans 401(k) Plans Tax Sheltered Annuities Traditional IRA Roth IRA Annuities Deferred Compensation
	College Savings Plans It's never too early to start saving to make sure the monies are available when your child reaches the college years. The Coverdell Educational IRA and the 529 College Savings Plans are easy, flexible and tax-advantaged ways to save for college. We can also help you take advantage of the various educational tax incentives including tax credits and deductions that may ease the financial burden of educational expenses.
	Insurance This category should really be called protection...for your family and for yourself. We recommend the best and most cost effective ways to ensure security through: Life Insurance Options Disability Insurance Long Term Care Insurance While we do not directly write property and casualty or health insurance for our clients, we review those policies in conjunction with the financial planning process to make sure the coverages are adequate for your situation.
	Tax Services By working with your entire financial situation we can help you make the most of your assets while potentially minimizing your tax obligations. We strive to reduce your tax burden through strategies such as tax deferral and the use of legitimate deductions. However, we recommend avoiding investments that solely provide tax relief without generating any additional economic value. Instead, we focus on investments and strategies that focus on maximizing after tax return.

Due to various state regulations and registration requirements concerning the dissemination of information regarding investment products and services, we are currently required to limit access of the following pages to individuals residing in states where we are currently registered.

Securities are offered through Securities Service Network, Inc., member FINRA/SIPC

Fee-based advisory services are offered through SSN Advisory, Inc., a registered investment advisor. Advisory services are offered only to residents of Delaware, Indiana, Maryland, Pennsylvania, Ohio, and Wisconsin.

We are registered to sell Securities in the following states:
Alabama, Arizona, California, Colorado, Delaware, Florida, Georgia, Illinois, Indiana, Maryland, Maine, Mississippi, New Jersey, North Carolina, New York, Ohio, Pennsylvania, South Carolina, Texas, Virginia, Wisconsin.