Individual Planning Services

​Accumulation Strategies

Over half of Americans will fail to properly prepare for retirement. Our focus is to guide our clients to invest wisely and utilize the right solutions to accumulate wealth and be tax efficient in the process. We provide the following solutions:

• Taxable accounts
• IRAs (Traditional, Roth, SIMPLE, SEP)
• Managed accounts
• Mutual funds
• Exchange Traded Funds
• Active and Passive Managed Funds
• Individual Securities
• College Savings Plans
• Discretionary Cash Investment Accounts
• Annuities – fixed, variable, indexed, and income

​Legal

We partner with your estate planning firm or provide you with our network of professionals to walk you through your legal or estate planning needs. We provide education on the need for the following services:

• Last Will and Testaments
• Health Power of Attorney
• Financial Powers of Attorney
• Revocable Trusts
• Irrevocable Trusts
• Special Needs Trusts
• Charitable Giving
• Inheritance Equalization

​Tax

We partner with your tax planning firm or provide you with our network of advisors to assist in your tax planning needs. We collaborate with your tax professional to ensure that your overall tax strategy is coordinated with your financial plan.

​Life Insurance

Your overall protection strategy is important, and life insurance is an essential part of your financial plan. We review your current policies to determine if they meet your family's needs, and if necessary, we provide the following solutions:

• Term insurance
• Permanent Insurance products such as Universal Life, Variable Universal Life, Indexed Universal Life, Whole Life
• Cash Accumulation, Death Benefit only or Combination Strategies
• Survivorship Policies

​Disability Insurance

Protecting your income should be a priority. In most cases, an individual's life time income is their largest asset. Individual policies provide pre-tax benefits and can supplement employer provided coverage when needed.