Financial Services Offered

Investments *
A diversified and flexible investment portfolio is tailored to your unique situation to help achieve your financial goals. The investment portfolio will be created to produce an appropriate asset allocation based on your risk tolerance, your individual goals, and tax situation. We are independent and that ensures we have the autonomy to put you at the center of all investment strategies and business decisions. There is no agenda to offer any particular financial product. We have the flexibility to find the products that fit our clients unique situations the best. Our long-term, disciplined investment approach uses a variety of world-class solutions.

These investments include:

• Fee-based asset management services
• Fee-based financial plans
• ETF’s
• Mutual fund direct investments
• Fixed and Variable Annuities
  

Retirement Planning *

• IRAs (Traditional, Non-deductible, Roth, inherited)
• SEPs
• 401 (k) plans, 403(b) plans
• Simple Plans
  

Estate Planning

We work closely with your attorneys to provide a plan that minimizes taxes, avoids probate, and ensures your objectives are met. We offer:

• Business Ownership Succession Plans
• Insurance Needs Analysis
• Charitable Remainder Trusts

Education Planning *

• We help you balance paying for children’s/grandchildren’s college expenses while balancing your retirement planning. 
• 529 Plans
• Coverdell Education IRAs

Insurance

We help you determine the type of coverage that is appropriate for your situation. You could leave yourself and your assets unprotected without the appropriate insurance strategy. We offer the following services and products to assist you:

• Insurance Needs Analysis
• Insurance Audit
• Fixed and Variable Annuity Audit
• Fixed and Variable Life Insurance
• Health Insurance
• Long Term Care Insurance
• Disability Insurance

*Investment products and services are offered through Cetera Financial Specialists LLC.