These services focus on helping clients understand and manage their financial affairs. The process is an analytical approach that recognizes the inter-relationship between all the areas outlined below. Services are customized to each client depending on their needs.

• Assisting the client to identify and set goals that can be measured and realized
• Analyzing cash flow and accumulation goals
• Income tax planning
• Insurance planning
• Asset allocation based on client risk tolerance, suitability, and time horizon
• Investment planning and advisory services
• Estate preservation and distribution strategy
• Evaluating charitable planning options
• Retirement planning
• Small business planning and succession management

Engagements with clients will begin with the development of a financial plan to determine where investment advisory services fit in the implementation of the plan. The initial financial plan is separate from any advisory services or fees, and may require or include services from qualified third parties. Recommendations are customized to each client’s situation; therefore the advice provided will vary from client to client.

Each client receives a personal financial plan that is customized to their unique situation. Once all the data is gathered, the plan is presented along with a customized list of action items. Not only do clients receive an overall look at where they are, but also an action list to move them toward their financial goals.