Our Services

 risk management

Without insurance protection, a lifetime of savings could be consumed by housing, medical, and other living expenses.
To protect you, your family, or your business, I provide:

  • Life Insurance (Term, Universal, Variable Universal)
  • Disability Insurance
  • Long-Term Care Insurance

investment management

Investments don’t need to be confusing or intimidating. If you don’t understand what you’re investing in or why, you put yourself at risk. I provide straightforward, fee-based investment choices, including socially responsible and faith-directed options, for your:

  • IRAs (including Simple IRAs and SEPs)
  • Taxable brokerage accounts
  • Qualified Retirement Plans (401k, 403b)
  • Annuities (Fixed and Variable)

financial planning

At the core of most financially successful lifestyles, retirements, and legacies lies a financial plan. I offer both modular (such as insurance planning, succession planning for businesses, and college planning) as well as comprehensive fee-based financial planning.

I’ll work with your legal and accounting advisors on tax management strategies, estate conservation, and planned giving.

My firm has a relationship with a variety of financial services companies, attorneys, and tax experts, so if I don’t have a product or service, I’ll refer you to a trusted provider who does.

Company retirement plans

Qualified retirement plans offer employers multiple advantages. A well-designed retirement plan can help you attract and retain talented employees and give you the satisfaction of knowing you’ve helped your employees toward a financially sound retirement, as well as provide you with a tax-advantaged way to grow wealth for retirement.

But offering a plan is a major responsibility. The different options (401ks, Simple IRAs, SEPs, non-qualified Deferred Compensation plans) for businesses each comes with its own set of rules. Some are easy to implement; others are more complicated. Some are qualified plans and others are non-qualified plans. Qualified plans require significant fiduciary responsibility, plan administration, and tax reporting.

 

In addition, many insurance, mutual fund, and financial-services companies offer retirement plans–each with its own price levels, investment options, and services.

Because we are an independent firm, your goals and needs are our only focus when we help determine the right plan for you. We work with Retirement Plan Consultants, a low-cost, open-architecture third-party administrator to minimize expenses and maximize quality and service.

.

We can:

  • Provide a no-cost analysis of your plan’s costs
  • Help find and design the right plan for you
  • Assist with fiduciary compliance
  • Conduct enrollment and educational workshops for your employees
  • Assist you and/or your Investment Committee with portfolio selection and ongoing plan reviews
  • Help you get optimal value from your retirement plan

Values Based Investing

You can put your money to work for you, your family, and your world. Socially Responsible Investing (SRI) can earn competitive returns, and while helping to build a sustainable future and enhance our quality of life through shareholder activism.

Sri dates back to biblical times when judaic law laid down directives to invest ethically. Sri is becoming more common and accessible to all investors—with socially screened portfolios growing from $639 billion in 1995 to more than $3 trillion at the beginning of 2010. Most studies show that sri-screened portfolios have about the same risk-adjusted returns as their un-screened counterparts.*

Incorporating SRI into your planning is easy. We’ll work with you to select investments that will provide you competitive returns and move your social or environmental agenda forward. You can focus on several areas, including:

  • Environmental Impact
  • Tobacco & Alcohol Production
  • Weapons Contracting
  • International Operations & Human Rights
  • Shareholder activism

Socially Responsible Investing is a powerful tool for change. We have years of experience in this area and are ready to help you put your money to work.