What we do

Personal

Personal planning begins with understanding who you are, where you are coming from, and where you want to go. Building a strategy to help to address that includes, but is not limited to:

  • Analyzing cash flow and net worth
  • Protecting assets from unexpected events
  • Accumulating savings to support your life goals
  • Distributing savings as income, on your timetable, in the most tax-efficient ways
  • Transferring assets to your heirs as a legacy while keeping administration and taxes to a minimum.

Business

If you are a business owner, you have an added responsibility to worry about on top of your family, but you also have more opportunities to achieve benefits through careful planning:

  • Growing your business
  • Continuation planning/exit strategy
  • Risk management
  • Benefits for employee recruitment and retention
  • Executive compensation
  • Repositioning business assets or income to benefit owner(s) while minimizing taxes.

Key Concepts

Here are some basic concepts that guide our work.

Financial House

Constructing a financial strategy is like building a house. You start with a blueprint, and build from the ground up. Some people want to begin with the roof: that rarely works out well. See the discussion of our Process to understand how we proceed.

Tax Diversification

How will taxes affect your retirement income? How and when your money is taxed can have a significant impact on your retirement. We’ve got strategies that can make the difference between an unpredictable future and one that is secure.

Please keep in mind that neither New York Life Insurance Company, nor its agents, provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

Seminars

i give public and private seminars on a broad range of financial topics. Contact us to arrange a presentation at your workplace, club, association, or library. A partial list of topics includes:

 

Title Level Target
Money Talks Intro Parents
Blueprint for Financial Success Intro Young families or professionals
Beyond the Bottom Line Intermediate Business owners
Life In Business Advanced Business owners, Investors
How Will You Fund Your Retirement Lifestyle? Intermediate Business owners
Tax Diversify Your Retirement Plan Intermediate Retirement planning
Long Term Care Options Intermediate Retirement planning
Common Mistakes in Estate Planning Advanced Estate planning

Upcoming public seminars are listed in the Events section of my Facebook page.

These seminar presentations are for informational and sales purposes only.

Calculators