Financial Advising Services
Money matters are complex, and a professional can help you keep your financial house in order. We help you decide how much to save and how to invest. We help with retirement accounts such as IRA's and 401(k)'s, rollovers, saving for college, social security decisions, and much more.
Stocks, bonds, mutual funds, ETFs, annuities, REITs... The truth is you have thousands of choices for how to invest your money. Do you understand all the risks? We can help you sort it all out and determine the best fit for you.
You may have a 401(k), a Roth or Traditional IRA, a Rollover IRA, or another type of retirement account. Did you know you can have more than one? Do you understand the tax implications? We can help you determine the appropriate mix of accounts for your situation, and set up your plan for withdrawing your money in retirement.
Saving for College
If you have children, are you saving for college? Maybe you would like to head back to school yourself. Do you have the appropriate accounts to take advantage of the tax benefits? Don't worry, we'll make sure of it.
Are all your eggs in one basket? We can help you determine how to best diversify your portfolio. We also help you figure out which investments should go in each type of account to stay efficient with your taxes.
If you had a 50/50 chance of either doubling your money or losing half, would you take it? How you answer says something about your risk tolerance and what investments are appropriate for you.
Will your heirs be able to access your assets once you pass away? Is a trust appropriate for you? This topic is often overlooked, and we can help you make things easy for your loved ones.
Do you have adequate insurance protection? While we don't sell or recommend specific insurance products, we can help determine your insurance needs and answer some of your questions.
Does it make sense to apply for early benefits? We can help you sort out the pros and cons.
Budget and Debt Management
Do you have a good handle on your monthly expenses? How much should you set aside for savings? Are you over extending yourself on your mortgage? These topics are the foundation of your financial plan, yet many people struggle with these questions. Come talk with us if you could use some help!