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Planning Philosophy


Identify the appropriate amount of insurance coverage to protect family and business

Ensure the appropriate level of cash reserves


20% savings rate goal

Minimize taxes by determining the most tax-favored vehicles:

Tax-Deferred, Tax-Free, Non-Qualified

Combine Non-Qualified and Qualified investing to manage current vs. future taxes

Debt reduction planning, good debt vs. bad debt


Goal-based asset allocation – match timeframes of investments and goals

Tactical asset allocation - ongoing monitoring and strategic rebalancing


Time-weighted asset allocation

Variable income vs. fixed income

Long-term care – resources for the person receiving care and estate preservation for the survivor

Social security timing, survivorship considerations

Tax bracket management


Don’t wait until the end – be charitable while alive

Strategic— to the people or organizations our clients care about

In the end, you can’t take it with you, & it either goes to family, charity, or taxes

Financial representatives do not render tax advice. Consult with a tax professional for tax advice that is specific to your situation.