Services

Education/college funding

It’s never too early to plan for the constantly rising costs of college. We’ll help you project the amount you’ll need, and we create a plan to meet those future expenses for your children or grandchildren.

Estate planning

We specialize in helping small business owners, farmers, and high net worth individuals tackle the complicated, and ever changing, estate planning laws. We know that complications don’t just end at laws, but involved family dynamics such as some children/grandchildren being involved in the business while others are not. With our experience through numerous law changes as well as different family dynamics, we’ll work with you, your attorney, and/or network of legal and tax experts to provide you with a estate plan tailored just for you.

Retirement income planning

When you retire, your paycheck disappears, but your need for income doesn't. The switch from an Investment Plan to an Income Plan, is one of the most difficult phases in retirement. A Retirement Income Plan not only has to protect your nest egg and distribute monthly income, but it also has to grow your assets to keep pace with inflation.

Portfolio and asset management

Tax planning 

Are your coordinating your investments and withdrawals to minimize your tax liability?

Annuity and income rider review

Many people purchase annuities with income riders as a way to guarantee an income stream during retirement. These riders and benefits can be hard to understand or you may have forgotten exactly how yours works after a number of years. If you own and annuity and no longer receive any service/help from your rep/agent, we can help you understand what you own and how it fits into your overall plan.

Insurance and risk management

Life Insurance planning and review.
Long Term Care planning encompasses not only possible insurance options, but non-insurance based asset protection and planning.

Debt reduction and management

Charitable giving