Below is a listing of the primary services available. Each service can be complex or simple based upon your unique situation.

Client Services

  • Financial Planning
  • College Education Funding
  • Retirement Planning
  • Life and Disability Insurance Planning
  • Estate Tax Planning
  • Mortgage Refinancing or First Home Purchases *
  • Charitable Gift Planning
  • Long Term Care
  • Annuities (Fixed Interest, Variable and Immediate Income)
  • IRA`s and all Investment Services
  • Trust Services *

Business Services

  • Non-Regulated Retirement Plans for Business Owners only
  • Business Continuation Planning (Buy-sell Agreements)
  • Retirement Plans, Pension, Profit Sharing, 401(k), SEP, SIMPLE
  • Key Man Insurance Planning
  • Deferred Compensation Retirement Plans (Executives)
  • Group LTD, Medical, Life Plans *
  • Split Dollar Life Insurance Programs
  • Salary Continuation Planning
  • Employee Seminars on Investments, Financial Planning and Insurance
  • Payroll Deduction Employee Benefit Plans

Investment Services

  • Tax Advantaged Investments
  • Private Portfolio Management
  • Mutual Funds
  • Stocks and Bonds (US Government, Tax Fee Municipal and Corporate)
  • Retirement Plan Rollovers
  • Variable Annuities
  • Variable Life Insurance
  • Unit Investment Trusts
  • Real Estate Investment Trusts (REITS)
  • Individual Retirement Accounts (IRA and ROTH)
  • Simplified Employee Pension (SEP and SARSEP)

* Services offered through affiliated companies.


Financial Planning

Many individuals confuse financial planning with general savings and investing advice. While how to save (and how much!), and where and when to invest those savings, is every bit important, prudent Financial Planning goes much beyond the realm of just saving and investing.

Asset Management

You and your family (partner, spouse) work hard to accumulate assets over a lifetime. The hope is that, when the time comes for you to leverage those assets, they’ll be there for you to benefit from.


If there’s one thing certain about life – it’s the uncertainty that living it brings. The best laid plans can sometimes come to naught! Even though you may think you’ve covered all the bases, life sometimes has a funny way of throwing you a curveball when you least expect it.

Wills and Trusts

While we are not attorneys who draft Estate documents like Wills, Trusts, and power of attorney’s, we have decades of industry experience to work with you and your attorney to make sure your intentions on what you want to happen to your finances when you pass actually occur.