Our Services

Throughout the years, we have evolved from an insurance-focused business to specialization in a number of key areas of financial planning. As Certified Financial Planner practitioners, Dan and I believe there are six key areas of financial planning* which are of utmost importance:

  1. Financial Analysis and Assessment of Goals and Objectives: this entails a comprehensive understanding of financial condition, cash flow planning and budgeting, and identification of the client’s short-term and long-term goals and objectives.
  2. Protecting Your Wealth: the proper use of insurance – including Life, Disability, Health, and Long Term Care, as appropriate, to help protect the assets you’ve worked hard to accumulate.
  3. Selection and Implementation of Investments for Wealth Accumulation: we must maintain a thorough knowledge of the many different types of investments available, as well as specific products within those categories that are most suitable for each individual, and will provide the best opportunity to pursue your unique personal and financial goals.
  4. Tax Management: we maintain an awareness of the tax consequences of every transaction to help ensure we’re managing your money in the most tax-efficient manner possible.
  5. Retirement Planning: we will help you design and implement sustainable distribution strategies in retirement to help maximize the income potential of your assets, while preserving and continuing to grow your wealth to combat inflation.
  6. Leaving a Legacy: while this may not apply to everyone, we have found that most of our clients have certain goals that extend beyond their own lifetime. Whether you’re charitably inclined, or you simply wish to pass on a portion of your assets to children or other heirs, we will help you determine the best way to do so.

HELPFUL RESOURCES:

For a comprehensive review of your personal situation, always consult with a tax or legal advisor.  Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.