About

Over the years, I have found that a team approach can be an effective method to help clients who have a wide variety of needs as they maneuver through a complex financial-services world.

It’s also the foundation for intelligent, well-considered decisions. When you have retirement in sight, sound decisions are vital in helping you pursue your goals and avoid costly mistakes that can impact your future. For many, understanding every aspect of personal finance can be daunting. From investments to retirement to insurance, the decisions can be overwhelming.

W E ' V E  G O T  A N S W E R S

W H A T ' S  A  S O U N D  W A Y  T O  S A V E  F O R  R E T I R E M E N T ?

What does the perfect retirement look like? Is it sitting on your front porch looking out at the ocean? Or traveling the country in a motor home? There are so many possibilities after retirement - and there are just as many ways to save for your "Golden Years". Making sure you achieve the financial independence to live out your dreams requires a plan that fits your specific situation.

H O W  M U C H  W I L L  I T  C O S T  T O  S E N D  M Y  K I D S  T O  C O L L E G E ?

According to the College Board, the average "net price" families are paying for the 2022-2023 academic year is approximately $32,800 at private colleges and $19,250 at public colleges. Working with a financial professional will help plan ahead for such large expenses and can help create a strategy to reduce the overall cost.

W I L L  I  O U T L I V E  M Y  R E T I R E M E N T  S A V I N G S ?

One of the greatest fears retirees have is wondering if and when they will run out of money. A few generations ago, retirement only lasted about 10 years. With life expectancy increasing, your retirement could potentially last 20, 30 or even 40 years. Making sure you have enough money to combat longevity is a key part of retirement income planning.

I  C O N T R I B U T E  T O  M Y  4 0 1 ( K )  A T  W O R K - I S  T H A T  E N O U G H ?

There is no set amount that you should save for retirement. The amount you will need depends on many different variables, such as the age you choose to retire, family structure and your health. It's possible your 401(k) savings will be enough to support your needs, but there are also other income streams your advisor can help create in retirement.

T E R M , W H O L E , U N I V E R S A L . . . W H I C H I S R I G H T F O R M E ? 

Insurance companies all have different names for life insurance policies, but they all fall into one of three categories: term, whole or universal. Choosing the right one depends on your unique situation and reason for needing insurance. Your advisor will assess your entire financial picture before discussing what option would be appropriate for you.

T R A D I T I O N A L  I R A  A N D  R O T H  I R A . W H A T ' S  T H E  D I F F E R E N C E ?

The financial services industry is filled with all kinds of names, numbers and abbreviations. It's enough to make your head spin. Working with a financial professional will help you properly understand the differences between product types as well as the suitable options for your unique situation. Get in touch with your advisor - you might be missing out! Insurance companies all have different names for life insurance policies, but they all fall into one of three categories: term, whole or universal. Choosing the right one depends on your unique situation and reason for needing insurance. Your advisor will assess your entire financial picture before discussing what option would be appropriate for you.