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ROTH IRA’s, Traditional IRA’s, SEP IRA’s, 401K’s, Simple IRA’s along with Retiremant plan rollovers are a few vehicles that allow you to grow your money with certain tax advantages.
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We offer Custodial Accounts, Education IRA’s and 529 Plans as well as other ideas for planning for the ever-rising cost of higher education.
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Your financial goals likely include more than education and retirement planning. Let’s talk about the rest of your financial roadmap.
Are you saving for a home, a wedding, a dream vacation, something else? Let’s talk about those financial goals as well!
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Buying life insurance protects your loved ones from the potentially devastating financial losses that could result if something happened to you. It provides financial security, helps to pay off debts, living expenses, medical or final expenses.
When recommending life insurance I act as an independent insurance agent and look at multiple highly rated companies to find the policy that is the best fit for you.
Life insurance plans that are part of an employer’s benefits package have some significant limitations. Most often coverage is terminated when an employee changes jobs or retires. Getting your own individual life insurance policy may help to ensure an after-death benefit for your loved ones.
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Disability insurance replaces a portion of your income when you can’t work. This can help cover essential expenses during a very difficult time.
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I’ll look at your current financial picture and get to know you and what’s most important to you to determine appropriate changes or additions for your financial path.
Our Services
As an Independent Financial Advisor, I have the flexibility to do what’s best for your unique situation
As an Independent Financial Advisor, I have the flexibility to offer Advisory Accounts (fee-based) and/or Brokerage Accounts (commission-based) to my clients. This flexibility allows me to tailor services to meet the unique goals, time frames, and values of each individual client.
Once I gain a clear understanding of my clients' priorities, I can assist them in determining which type of account makes more sense for their needs. It's important to me that my clients have full transparency about how their accounts work and how they will pay for each account. This transparency helps build trust and ensures that my clients are making informed decisions about their investments.
Advisory (Fee-Based)
In a fee-based or advisory arrangement, investors compensate their advisors based on a modest percentage of their average account balance. Generally, investors are not charged commissions, are exempt from "back-end" sales fees, and have the flexibility to invest in a diverse range of securities within the fee-based framework. The advisory fees are typically negotiated directly with the advisor and are transparently deducted from the investment account. Advisors operating under this compensation structure adhere to a fiduciary standard of care, prioritizing their clients' best interests.
Brokerage (Commission-Based)
Commissions and transaction fees vary depending on the type of investment. A-share and C-share mutual funds are among the most common commission-based investment products managed by investment companies that focus on advisor-sold mutual funds. When investing in A-share mutual funds, investors may pay an upfront sales charge of up to 5.75%, along with annual management fees and a reduced 12b1 fee. These investors may also qualify for volume discounts known as “breakpoints." When investing in C-share class mutual funds, investors typically do not face an upfront commission but may incur a sales charge if they sell the mutual fund within a specified period. They usually have higher ongoing 12b1 fees and do not offer volume discounts. Investors working with an advisor under a commission-based relationship can expect a "Best Interest" standard of care.