Financial Services

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• Short, medium and long-term financial goals
• Sources of income (before and after taxes)
• Continuing and limited-time expenses
• Assets (investment accounts, real estate, personal assets, businesses)
• Debt 
• Insurance needs and policies

• Identifying your risks
• Assessing the probability of those risks occurring
• Assessing the impact if the risks occur
• Protecting against the consequences of loss
• Minimizing the occurrence of perils
•  Analyze the probability and impact of potential losses 
•  Assess all of your life insurance needs 

• Clarify your retirement priorities
• Calculate the required annual savings for your retirement
• Analyze pension plan alternatives and post-retirement group benefits
• Plan for tax minimization during your retirement

•  Examine the liquidity of your estate and determine if there is enough cash to pay final expenses and taxes from the assets that you have. This includes a review of life insurance and disability income insurance. 

• Alternative strategies and in-depth discussions on which are best for you

 Annuities can create stable and predictable income for life. In retirement you should do what you want, be it spending time with family or embarking on your wildest travel adventures, playing golf and taking an art class.  

 With the cost of education rising, it's important to have a well-thought-out strategy to save for education expenses. Saving for education is not a one-time event but an ongoing process.