My Services

Financial Planning

I offer hourly and fee based financial planning which covers many topics for review.  There are several areas of focus which include, but are not limited to, the following:

  • Estate Planning
  • Social Security Review
  • Asset Allocation Review (401k, Taxable, Tax-Deferred Accounts)
  • Portfolio Risk/Reward Analysis
  • Personal Financial Management
  • Cash Flow and Budget Planning
  • Education Planning
  • Insurance Policy Review
  • Corporate Benefits Review

As your situation becomes more complex, I have the experience necessary to help you put together a comprehensive financial plan.  This would include a review of all of the areas listed above with the addition of (but not limited to):

  • Long-Term Care Planning
  • Health Care Planning
  • Insurance Planning
  • Additional Estate Planning Needs (Trust Review, Will Review, additional collaboration with Estate Attorney)
  • Multi-Generational Planning (may require beneficiary/heir meeting)
  • Advanced Tax Planning (includes any collaboration with your CPA)
  • Third Party Investment Management Analysis
  • Equity Compensation Planning (Corporate Stock Benefit Planning)

Investment Management and Ongoing Monitoring of Your Financial Plan

One of the benefits of my professional affiliation with LPL Financial is my ability to leverage independent research, enabling technology and access to some of the more prominent institutional money managers to implement my client's financial plan. I believe strongly that when acting with a fiduciary standard for you, implementation of an investment strategy should have several layers of ongoing due diligence and objectivity. I will be responsible for implementing a strategy tailored to your situation and not providing a predetermined investment model designed by a sales department looking to gain scale with retail investor assets. I am not paid a commission for implementing these strategies, and base my fees as a percentage of assets under management. My incentive is to make sure the strategy I recommend matches exactly with your desired outcome as outlined in your financial plan. I have access to several investment strategies that include:

  • Managed Mutual Funds
  • Managed ETF's
  • Separately Managed Accounts
  • Stocks, Bonds, REITS, ADRs
  • Alternative Strategies
  • Tax Loss Harvesting