Our Products & Services

We provide assistance in the following areas:


  • Corporate and Municipal Bonds
  • Common Stock
  • Educational IRA
  • Traditional IRA
  • Roth IRA
  • Simple IRA
  • Brokerage Accounts
  • Treasury Bills
  • Government Securities
  • Treasury Notes
  • Variable Annuity

Financial Planning

  • Retirement Plans
  • Tax Plans
  • 401 (k) Planning
  • 403 (b) Planning
  • College Plans
  • Estate Plans
  • Money Purchasing Plans
  • Profit Sharing Plans

Investment Planning

  • Discussions and/or work concerning asset allocation (may include the use of PRT [Portfolio Review Tool] for analysis or other  approved software)
  • Risk and reward (risk tolerance analysis)
  • Diversification
  • Analysis and research in individual securities
  • Investment policy statement development


  • Disability Income Insurance
  • Life Insurance
  • Long Term Care Insurance

Cash Flow/Budgeting

  • Creation of personal or business budget
  • Explain various components of cash flow (income, taxes, expenses)
  • Emergency fund planning
  • Savings strategies
  • Debt management strategies
  • Personal financing strategies

Business Planning

  • Cash flow discussion
  • Retirement Planning 
  • Succession Planning
  • Cash management
  • Employee Benefits Planning
  • Financing strategies
  • Business use of insurance discussion
  • Intra-family and other business transfer techniques

Tax Planning

  • Identifyng AMT issues
  • General discussion of deductions and income recognition
  • Answer questions about investment tax issues
  • Discuss statement of personal financial position
  • Analyze personal cash flow statement
  • Develop and/or analyze business balance sheet, income statement, statement of CF [Cash Flow], pro forma statements
  • Discuss and educate on employee stock options basics, ISOs [Incentive Stock Options], NSOs [Non-qualified Stock Options], planning strategies, etc.
  • Tax implications of various stock plans - Restricted, phantom, SARs [Stock Appreciation Rights], ESPPs [Employee Stock Purchase Plans] 
  • Non-qualified deferred compensation programs
  • Income taxation of life insurance and annuity products
  • Investment cost basis research and reporting