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Investing For Your Future

Do you know where your money is headed?

Do you know where your money is headed?

Charting a proper course for your financial future is not easy.  Life events, market upheavals, job changes, budgetary constraints:  they all conspire to disrupt your progress.  It is even more difficult if you have not defined your destination.  

A successful investment plan is designed to get you to your target objective, and for most clients, to provide a tax efficient long-term income, and/or legacy.  It is important to remember, it's not what you make, but what you keep that counts! 

You invest to serve a purpose.  Whether that purpose is to provide for retirement, a legacy for your family or for other goals, we evaluate your financial big-picture and develop investment strategies from a comprehensive suite of investment options to fulfill your objectives.  

Taxes:  the Not so Hidden Cost

Taxes:  the Not so Hidden Cost

There are three distinct buckets for your money.  Taxable, Tax Deferred, and Tax Advantaged.  Which one do you want?  Which buckets is your money in now?  Understanding how taxes will impact the growth of, and access to your money is essential.  

Given the current state of our national debt, it is likely taxes will be higher in the future.  Taking advantage of investment strategies that can reduce the impact of taxes may be the difference between financial success and failure.  

A Full Range of  Wealth Management Options

A Full Range of  Wealth Management Options

Stocks, Bonds, Cash, Mutual Funds, Exchange Traded Funds (ETF's), Annuities:  there is no lack of choice among market investments.  After defining your investment objectives, we develop a custom investment strategy that takes full advantage of the investment choices available. 

Different investment products serve different purposes.   We take the time to explain the purpose of each and how they fit in your portfolio. Equally important, we have no proprietary investment funds, and make recommendations based only on their merit and your interest.

Advisory Solutions

Access to a suite of objective, fee-based asset allocation and model portfolio solutions based on your investment needs.

Mutual Fund & ETF, Wrap Programs, Advisor Managed, Portfolio, Separately, Managed Accounts, Unified Managed Accounts
*Fee-based financial planning is offered by appropriately licensed and qualified Investment Advisor Representatives of Cetera Advisor Networks. 

Annuities & Insurance

Annuities are tax-deferred investments to help generate guaranteed income during retirement, and insurance solutions provide many protection and planning benefits.*

Variable & Fixed-Annuity Solutions, Variable Universal Life, Variable and non-variable life insurance (cash value whole life).
*All guarantees are backed exclusively by the strength and claims paying ability of the issuing insurance company.

Brokerage Accounts

Custodied through Pershing, a subsidiary of BNY Mellon – a leading provider of global financial business solutions for over 75 years. Pershing has been named the #1 clearing firm, ranked by a number of broker/dealer customers.

No account minimums, 200+ mutual fund, families, Donor-advised funds, ETFs, Individual Securities (stocks, bonds, options)

Cash Management

Cash protection and securities-based lending capabilities with your brokerage and advisory accounts provide safety and liquidity when needed.

FDIC-Insured Bank Deposit Sweep Programs, Securities-based lending, CDs, Cash management features with Corestone Accounts®

Retirement Plans

Objective, flexible qualified plan solutions for small and large businesses.

403(b), 457, 401(k), profit-sharing, cash balance, defined benefit and combo plans, Fiduciary support services, Participant education resources

Education Accounts

Competitive solutions to help you save for primary school and college.

529s, Coverdell ESAs, UGMAs