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

 

Welcome to our site.  Today, 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.

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Newsletters

Tax Law Keeps S Corporations Attractive

S corporations are more common than C corporations and partnerships, perhaps because they are not subject to the corporate tax. Instead, profits and losses flow directly to shareholders, who are currently taxed at lower individual income tax rates. Read why reorganizing as an S corporation may be a smart move.

Protection from a Range of Liability Claims

It's projected that American companies will face $183 billion in tort costs in 2011, and $152 billion of that will land on the books of small businesses. Fortunately, there are several forms of business liability insurance that can help offset these unforeseen costs.

Investing in the Future

Due to the fiscal struggles of state governments, in-state tuition and fees at public four-year colleges and universities rose dramatically for the 2011-12 school year. The cost of private institutions also continues to increase. This article presents information on the cost of a college education and how a 529 plan may be a helpful savings vehicle.

Pick Up This Split for Long-Term Retirement Income

The number of Americans aged 90 or older almost tripled from 1980 through 2010 and is projected to quadruple by 2050. As people live longer they may need to fund a longer-than-expected retirement. This article discusses how a split-annuity strategy could help provide a long-term income stream.

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