“Organizing is what you do before you do something, so that when you do it, it is not all mixed up.” A.A. Millne
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I offer all of the services below to my clients as needed:

Investments:  Most people don't appreciate the volatility of stocks. Although the stock market (S&P 500)  gains, on average, about 10% a year, there are years when it might lose 10% - or more. It is important to consider how much volatility you are willing to accept.  Keep in mind  that investing is best suited for long-term objectives and goals.  The market does take unexpected twists and turns and your portfolio should be structured help you maximize returns while minimizing risk over the long-term.      

College Planning: According to the Financial Planning Association, "Educating your children will probably be one of the biggest financial challenges you'll face in your lifetime."   A financial planner can help you maximize your cash flow and establish a realistic savings strategy for college.  A 529 Plan can be used to invest college savings and may provide tax-free investment growth for college expenses.  

Retirement:  As the saying goes, a comfortable retirement should not be a hope - it should be a plan.  Saving enough for retirement shoud be a top priority for everyone.  A properly structured investment portfolio can help you reach your retirement goals.  If you are contributing to a retirement plan at work but are unsure if the funds you selected are appropriate, a financial planner can help.  Let me know your choices and we can structure your overall portfolio to meet your long-term needs.

Estate Planning:  Your total wealth - your estate - may be subject to estate taxes at death.  To minimize estate taxes, many people find it advantageous to work with a financial planner and an estate planning attorney to formulate an estate plan to minimize estate taxes.  This allows as much of your estate as possible to provide for your spouse and beneficiaries.   

Insurance:  Life Insurance provides financial resources at death. These resources can provide great comfort to survivors and offers the promise of financial stability.   A financial planner can guide you in selecting the right policies for your situation.  Long-term care insurance is another type of insurance that provides benefits if you should need assisted living.  Determining how much, if any, long-term care insurance would be appropriate is a good discussion to have with your financial planner.