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30 Years of Experience in Financial Management

Wealth Management Services

For a select group of professionals, pre-retirees, and retirees we provide a holistic approach to financial planning and wealth management to help people safely grow their money for a secure retirement.

 

 

Investments

Investments can play a key role in your financial security plan. The right mix can safely help you achieve your goals.

 

Insurance

Insurance is essential to any comprehensive financial security plan. It can protect you and your family from undue hardship.

 

Retirement Planning

Today people are living longer than ever before. To ensure the greatest chance of not out living your retirement savings, focusing on your financial plan is vital. There are many components to retirement planning that the right advisor can help you manage.

For business owners, we also provide customized 401(k) planning.

 

Managing Your Finances

Managing your finances is an important component to any financial security plan. Money management strategies help you manage your savings on a daily basis.

 

Investment Management 

Asset allocation is the process of selecting a mix of asset classes that closely matches an investor’s financial profile in terms of their investment preferences and tolerance for risk.

 

Comprehensive Financial Planning

A comprehensive financial plan that considers all areas of planning can be the difference between failure and success. We can provide you the leadership and guidance needed to relieve you of the burden of constant planning.

We are proudly partnered with Charles Schwab and Cadaret Grant

We Help Our Clients Accumulate and Distribute Wealth Through a 5-Step Process

  • Investment Planning
  • Income Planning
  • Tax Planning
  • Insurance & Health Care Planning
  • Legacy Planning

The engagement process consists of discovery, analysis, strategy, presentation, implementation and monitoring.

 

Seven Key Risks

  • Longevity/Lifestyle: will you outlive your savings?
  • Health Care: can be devastating to life savings
  • Inflation: potential reduction in your purchasing power
  • Sequence of Returns: risk is highest right before retirement
  • Asset Allocation: high correlation of investments is a big risk
  • Market Volatility: withdrawal risk when the portfolio is down
  • Excessive Taxes: It's not how much you make, it's how much money you will keep

 

We Provide Leadership & Guidance for Our Clients

  • Tax reduction strategies
  • Construct portfolios to match your risk profile
  • Creating lifetime income streams that you cannot outlive
  • Show you how to invest for growth with limited risk
  • Help to protect you from liabilities
  • Assisting with wealth transfer for the next generation
  • We create a retirement blueprint for you

Blog

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A Guide to Pensions & Retirement Benefits

Clifford Michaels |
Categories
Retirement
Investments
Tax Planning
How much do you really know about retirement benefits? If you’re like most Americans, it’s not that much. In fact, most of us have fairly poor “retirement literacy,” especially when it comes to the finer points of retirement benefits. 1 That may not seem like a big deal, but it can give rise to all sorts of landmines in the future, possibly derailing your retirement plans and goals. It could also impact your quality of...

Practical Tips: How to Avoid These 4 Estate Planning Missteps

Clifford Michaels |
Categories
Finance
Lifestyle
Estate Planning
First, let’s start by uncovering the most common mistake in estate planning… Surprisingly, this frequently made mistake might already be on your doorstep. A staggering number of people haven’t yet started an estate plan. It’s a critical oversight that can have far-reaching implications, but this isn’t the only pitfall that can disrupt your planning efforts. Here’s a breakdown of 4 estate planning missteps and how to fix them: Mistake #1: Neglecting to Update Your Estate...

Your Role & Responsibilities as an Agent in a Power of Attorney (POA)

Clifford Michaels |
Categories
Investments
Finance
Tax Planning
Insurance
Estate Planning
A power of attorney (POA) can grant you certain authority and specific responsibilities. While the extent and limitations of POAs can vary based on many factors, stepping into the role of power of attorney can be unlike anything else. That’s because it puts you in the driver’s seat to make key decisions and oversee vital needs for someone else. That doesn’t mean that POAs come with carte-blanche powers or that one power of attorney will mirror another. Explaining how POAs work, this guide shares more fundamentals, detailing some common types of powers of attorney and the responsibilities you may have as an agent of one of these devices.

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