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Financial Planning Services

In an uncertain world where investment returns are unpredictable, financial planning is the most important exercise you can do to increase the likelihood you’ll reach financial independence. Every individual needs a personal financial plan, designed to meet current financial needs while working to achieve long-term goals.

A professionally crafted, goal-based plan can help you protect and grow the wealth you work so hard to earn.

Where do I begin?

The first step in reaching your goals is finding the right advisor to help get you there. That’s why our advisors offer no-obligation initial consultations. These initial meetings provide an opportunity for you to get to know the person who will be advising you, and just as importantly, for us to get to know you.

Personal Retirement Savings

The important question isn’t: How much money do I have right now? What you need to know is: What can I do today to give me the best chance to have the retirement I want tomorrow? An Individual Retirement Account (IRA) is one of the most versatile retirement savings tools available. It provides the opportunity to save for retirement and offers potential tax advantages, depending upon your financial situation and the type of IRA you choose.

Traditional IRA

A traditional IRA may afford a reduction in taxable income. Your investments grow tax deferred while in the IRA. Withdrawals are taxed as made, beginning at age 59½ or at retirement.

Roth IRA

A ROTH IRA offers tax-free withdrawals in retirement or after age 59½, as long as certain requirements are met. Contributions do not reduce taxable income when made. ROTH IRAs have no required minimum withdrawals during the lifetime of the account owner. After death, the beneficiary may take tax free distributions, while the balance of the investment continues to grow tax-free.

Business Retirement Savings

In a competitive marketplace, offering a tax-advantaged retirement savings plan is an affordable way to attract and retain key employees.

401(k)

A 401(k) plan can offer a wide range of investment options for employees to choose from.

Simple IRA

Savings Incentive Match Plan for Employees is an employee matching plan targeted to self-employed individuals and small businesses with fewer than 100 employees. Employer sponsored, it has features similar to 401(k) profit-sharing plans.

SEP IRA

A Simplified Employee Pension IRA may be ideal for self-employed individuals or small businesses. Similar to a traditional IRA, a SEP IRA is simple and easy to administer.