Financial Planning

Protection of earning power through the proper integration of employer provided insurances and an individual insurance portfolio.  Life, disability and long term care insurances are analyzed from a cost/benefit perspective.

Accumulation of capital for life stage events such as purchase of real estate (principal residence, business location  and/or vacation home), children's college education , creating an emergency fund, and initiating retirement planning concepts.  

Tax Planning to minimize current income taxes and future estate and inheritance taxes.   

Wills, trusts, powers of attorney and health care directives are essential for the orderly transfer of financial authority and financial assets in the event of death or incapacity.