"Now is no time to think of what you do not have,
think of what you can do with what there is."
  - Ernest Hemingway 

Retirement Workshops Offered Regularly

You can protect your quality of life and assure your income lasts your lifetime. Take charge of your retirement portfolio today. Click the Workshop Link (left) to get the schedule of upcoming workshops and register. 

Welcome to our site.  Today, older Americans face financial challenges previous generations could not even imagine. As specialists in retirement and legacy planning, we understand that retirement is a time when you may be asked to make some of the most significant financial decisions of your life. These important decisions will determine how you and your family will live for years to come. We can help you understand your current financial position and assist you with the creation and maintenance of a financial plan designed just for you. The goal of this process is to help you maintain your lifestyle and enjoy financial security in retirement. 

We offer objective, experienced advice and access to a variety of services and products to help fulfill your objectives. As independent practitioners, we enjoy the freedom to choose the services and products that best suit the needs of each client. Our offices are not controlled by any other entity nor are we subject to any predetermined outcomes or quotas. Our professional allegiance is to our clients.

 We welcome you to browse our website to learn about our practice and our capabilities. We believe that this will help you understand why we enjoy the trust and confidence of our clients and how we might be of service to you.

 
Calculators

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

Cash Flow Analysis

This Cash Flow Analysis form will help you weigh your income vs. your expenses.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

More Calculators →

Newsletters

Help Chart the Future of Your Family Business

The transition from one generation to the next is considered to be one of the biggest risks to the survival of a family-owned business. A thoughtful succession strategy not only outlines when and how ownership should be transferred but also takes tax implications, family relationships, and other sensitive issues into account.

Retaining MVPs with Executive Bonus Life Insurance

An economic recovery is likely to bring more job opportunities to top performers, but it could prove costly for businesses to replace productive employees who decide to leave. An executive bonus plan funded with cash-value life insurance can be used to reward and retain an organization's most valuable employees.

Rising Popularity of Roth IRA as Retirement Vehicle

Investment in the Roth IRA has been growing dramatically. Fueling the growth of this popular investment vehicle are tax-free distributions in retirement and no mandatory withdrawals due to age. Compare the trade-offs of Roth IRAs with traditional IRAs, including eligibility limitations, annual contribution limits, and withdrawal considerations.

What Do Price/Earnings Ratios Really Have to Offer?

It's not hard to find the price/earnings ratios of publicly traded companies or even the market as a whole reported in the news. Unfortunately, it may be difficult to understand what the numbers mean without the ability to make meaningful comparisons.

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