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Planning for a Secure Financial Future

The earlier you start planning and saving, the better prepared you will be.  Working with a financial professional can help you create a strong strategy to help you meet your goals while helping you stay on target.  Having the help of a financial professional can make it easier to navigate through the choices and challenges of complex financial environments. 

We are here for the moments you hope for and for the ones you might not be expecting.   We break up our financial planning services into four categories: protection planningwealth accumulationestate planning and retirement planning.

Protection Planning

It is crucial to protect what you've built - for yourself and for those depending on you.  

You can never predict what the future holds, but planning can protect you from whatever may happen in your life.  You may have some coverage through work, but often enough it isn't enough.  Approximately, 50 million households recognize they need more insurance.1

Our Process

Life Insurance helps create a complete financial plan by strengthening the other components.

Our History

Long-Term Care Insurance helps offset the cost of living if you become unable to care for yourself.

Our Values

Disability Insurance can make up for lost wages should an accident, sickness or injuries keep you from working.

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Emergency Savings is a key part of your protection plan.  The rule of thumb is to set aside 6 months of living expenses in case of an emergency. 

1 LIMRA, 2018 Facts about Life Insurance

Wealth Accumulation

To meet your goals, start early and save often. 

This is the common statement about wealth accumulation, but even if you get a late start on saving or you have to adjust your plan our team can help you start building your wealth no matter what stage you are in.  

Take a look at this hypothetical scenario:

Client Centered

In this example, regular investing helped Jane accumulate $188,876 more.  Imagine how much more you'll be able to save if you start early and consistently save. 

Assumes a 7% annual rate of return compounded monthly.  These hypothetical examples are for illustrative purposes only. 

Protection Planning

Having a sound estate plan in conjunction to your retirement plan can help ensure that you don't outlive your assets so you can enjoy retirement while still having enough left to pass onto family and charitable causes.  Estate planning helps maximize the money you have and helps you decide how to distribute it.

Our Process

A legal declaration of how you want your assets distributed when you die.

Our History

Transfer property to your beneficiaries with several tax and non-tax advantages.

Our Values

Tax-efficiently distributes assets to select organizations.

Our Resources

Helps your family maintain their lifestyle, provide liquidity to pay taxes and settlement costs, as well as equalize inheritances.

Retirement Planning

Whether you plan to retire in a few years, or in 40 years, it is important to start planning and saving.  Creating a retirement you want requires a solid plan and diligent saving, so the sooner you begin, the more opportunities you can explore.   With every milestone in life, there are a variety of financial considerations. 

52% of households are "at risk" of not having enough to maintain their living standards in retirement.

Lets compare three different investment strategies:

Client Centered
  • John waits until age 33 to begin investing $100 per month and continues for 32 years.  His total contribution of $38,400 grows to $14,674 by age 65.*

  • Bill begins investing $100 per month at age 22 and continues for 10 years.  His total contribution of $12,000 grows to $174,217 by age 65.*

  • Jane begins investing $100 per month at age 22 and continues investing for 43 years.  Her total contribution of $38,400 grows to $329,524 by age 65.*

Even though John contributed triple the amount of money, Bill accumulated more by starting earlier.  Of coarse, Jane saved the most by investing consistently for a longer period of time. 

2 Center for Retirement Research at Boston College: National Retirement Risk Index, 2017

* Assumes a 7% annual rate of return compounded monthly.  These hypothetical examples are for illustrative purposes only

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