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Financial Planning Services

Client Centered

We use a unique Six Step Financial Lighthouse Illumination Process to uncover your most important goals, analyze investments, insurance needs and review  retirement, education, tax and estate planning. We begin with a thorough look at your current financial state and where you would like to be by the time you retire and beyond. 

Our firm believes in committing to understanding your needs, both now and in the future. We can help you create a comprehensive financial plan to address your concerns, goals, and objectives by looking at six key areas of your financial life: investment planning, insurance planning, estate planning, income tax strategies, cash flow and budget analysis, and income tax strategies. Some other topics we may discuss include education planning, charitable gift planning and retirement income planning.

Our commitment to you is to provide financial leadership, motivate you in a manner consistent with the goals identified, guide you to keep emotions out of decision making processes, establish financial priorities, monitor and measure the results toward your goals and Plan, Accumulate, Grow and Preserve your wealth. 

Benefits of a Financial Plan

  • Professional guidance to help you stay on track through inflation, interest rates and liquidity needs
  • Establishes priorities and review goals
  • Encourages effective communication
  • Measures the results
  • Guides you to pursue financial strength and independence during the winding road of financial uncertainty in life
  • Reviews investments, risk assessment and asset allocation
  • Retirement Planning and tax diversification - This involves establishing different pools of money in accounts that are taxable, tax free and tax-deferred. These different accounts allow income during retirement to be strategically withdrawn from a variety of sources depending on future conditions.
  • Financial affairs become organized. You'll know where you stand.
  • Cash Flow and Budgeting