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The financial plan allows clients to fully integrate all aspects of their financial lives. It includes advice in the following areas:


When do you want to retire? 

How much will you need for spending each year? 

A well designed plan will help you get there.

If you are already retired, how much can you safely spend each year? 

Getting Ready to Retire         

Cost of Retirement 

Is 70 The New 65?  Video 

Education Funding

Starting early is the key to education funding.

A typical four year college education ($30,000)

per year can be funded for an infant with $759/mo.

For a 10 year old the same funding would cost $1,126/mo.

For a 16 year old the burden is back breaking.

Higher Education       


Cash Flow

Cash Flow = Income minus Expenses. 

The single most important financial

calculation in your life!

Expense Budget




Net Worth

Net Worth = Assets minus Liabilities.  

A good measure of your financial success.

Ideally  your net worth should increase each year.

Net Worth Calculator




Used to reduce various risks in your life.  

Types of insurance include: Life (death),   
property and casualty (home, auto, etc),           Health, Long Term Care and more.

Life Insurance Calculator      

Types of Life Insurance

Property & Casualty Insurance

Estate Planning

  Used to document your intentions-even when     you are able to do so. 

This area includes wills, trusts, Power of Attorney for health care and financial matters.

What Would Happen to Your Estate? Video

Living Trusts


Income Taxes

Minimizing income taxes keeps more money in your pocket.


Debt Management    

The proper use of debt can be a powerful tool for growing your net worth.

Home Equity Worksheet 

Asset Allocation

A financial plan will compare your current asset holdings with a properly diversified mix of cash, bonds, stock and alternative investments.

Investment Basics























Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck