Following is a comprehensive list of products and services available. Investment Planning-
Investment planning is the process of matching clearly defined goals with your existing financial resources, time horizon and tolerance for risk. Integrated Asset Allocation and Portfolio Design
The process of positioning assets in your total investment portfolio so that you hold the proper investment mix
that maximizes potential return while minimizing potential losses. Asset allocation does not guarantee against loss; it is a method used to help manage investment risk. Individual Bonds
Tax-free (municipal) bonds, corporate bonds and US government issued T-bills and bonds are debt instruments in which the issuer promises to pay a specified amount of interest and to repay the principal at maturity. Individual Stocks
A stock is a type of investment that represents a partial ownership share in a company. Investors buy stocks that they think will go up in value over time. Mutual Funds
A mutual fund is a kind of investment that uses money from many investors to invest in portfolio of stocks and/or bonds or other investments. By nature, mutual funds have portfolio diversification. Exchange Traded Funds
An exchange traded fund (ETF) is a basket of stocks and/or bond or other investments. ETFs offer the diversification of mutual funds with the trading ease similar to a stock or individual bond. Unit Investment Trusts
A unit investment trust (UIT) is a fixed portfolio of stocks and/or bonds or other investments that are held for a specific period of time i.e. five years and then is redeemed. Tax-Optimized Investing
Investments that are more tax-efficient because they they trigger fewer capital gains. Alternative Investments
Investments that offer additional diversification to traditional portfolios that hold stocks and bonds. Variable Annuities
A variable annuity offers sub-accounts in which contributions are invested. Performance of a variable annuity is dependent on the performance of the portfolio sub accounts. Deferred variable annuities are primarily used for retirement planning. Fixed Annuities
A fixed annuity pays a guaranteed interest rate on contributions to the account. Retirement planning is the process of determining your retirement goals i.e. living expenses, travel etc. and the actions necessary to achieve those goals. When entering retirement, the planning shifts to the distribution of accumulated wealth to supplement income from other sources. IRA Rollover Planning
Rollover planning occurs when an individual who holds an employer-sponsored plan such as a 401(k) and desires to move those funds into an Individual Retirement Account (IRA). Individual Retirement Plans (IRA's)
Traditional IRA contributions are tax-deductible, subject to income limitations. Earnings accumulate tax deferred until withdrawn and then are fully taxed when withdrawn. Roth IRA contributions are not tax-deductible and are subject to income limitations. Earnings accumulate tax-deferred until withdrawn and are also tax-free when certain requirements are met. Roth IRAs are an excellent choice for younger investors. Employer-Sponsored Retirement Plans
Tax-favored retirement plans sponsored by an employer. Among the more common employer-sponsored retirement plans are 401(k) plans, 403(b) plans, Simplified Employee Pension Plans (SEP IRAs), Savings Incentive Plans (SIMPLE IRAs) and profit-sharing plans. Employer Non-Qualified Retirement plans
Non-qualified retirement plans are employer tax-deferred retirement plans that are generally used to retain and attract highly paid executives and include deferred-compensation plans, executive bonus plans and split-dollar life insurance plans. Insurance planning ;is the critical component of financial planning that includes evaluating risks and determining the proper insurance coverage to mitigate those risks. Term Life Insurance
Term life insurance provides a death benefit if an policy holder dies within a certain number of years or age and does not accumulate any cash value. Universal Life Insurance
Universal of life insurance combines a death benefit with a savings element that accumulates tax-deferred at current interest rates which are subject to change, but not below a guaranteed minimum rate. Universal life insurance offers access to the policy cash value through loans or redemptions. Variable Universal Life Insurance
Variable universal life insurance combines a death benefit with and a savings element that accumulates tax-deferred and is based on investment sub-accounts. The policy cash-value is dependent on the performance of the portfolio of sub accounts which may be accessed through loans or redemptions. Whole Life Insurance
Whole life insurance combines a death benefit with a savings element that accumulates tax-deferred at a fixed income and may be accessed through loans or redemptions. Long-term Care Insurance
Long-term care insurance (LTC) covers many types of long-term care programs which may include personal home health, adult day care, assisted living, skilled nursing facilities, and hospice care. Benefits depends on the type of policy purchased and what services are covered. Disability Insurance
Disability insurance provides income when a policyholder is unable to work due to an unexpected disability. . Benefits depend on the type of policy purchased and the percent of income that will be replaced. Business Succession Planning
Life insurance policy/s that a company purchases on one or more of its key employees and/or owners. Business needs include key-person and buy-sell agreement/s life insurance. Education planning is the process of determining the cost of providing a college or trade school education for your children or grandchildren, the amount you want to fund i.e. 75%. and what actions are needed. College Savings Plans
529 plans are tax-advantaged education accounts that have high contribution limits with no income restrictions. Distributions are tax-free when spent on qualified education expenses, including K-12 expenses. Coverdell Education plans (formerly called education IRAs) are tax-advantaged accounts with $2,000 per child contribution limits as well as income limitations. Roth IRAs can also be used to fund education expenses. UGMA/UTMA custodial accounts are controlled by an adult on behalf of a minor. The adult custodian approves or conducts all transactions in the account, such as buying or selling of securities and distributions paid out on behalf of the minor. The account reverts to the minor at the age of majority. Estate planning is the process of preparing one's estate for a time of long-term incapacitation, or death. Estate planning includes legal documents like wills and trusts, includes the transfer of estate assets to heirs and/or charities as well as the settlement of outstanding debts and/or the settlement of any estate taxes. Incapacitation Planning
Incapacitation planning involves legally designating a Power of Attorney (POA) that can manage your financial affairs in the event of a short-term or long-term incapacitation. Beneficiary Audit
An beneficiary audit that makes sure beneficiary designations for investment and retirement accounts, life insurance and annuities, and legal documents such as wills and trusts, are all properly aligned. Control of Assets Planning
Control of assets planning ensures that any heir that needs if any heirs will require receiving funds on a disbursement schedule of monthly, years or according to ages. Charitable Estate Planning
Charitable legacy gifts enable an individual to support the causes they are passionate about, while at the same reducing taxes and can include life-time benefits i.e. charitable remainder trusts etc.
