SERVICES
FINANCIAL ADVOCACY
A person's biggest financial asset is his or her ability to earn. I work with people who are worried they'll need to work for the rest of their lives or worse, run out of money. Einstein is reputed to have said that compound interest is the eighth wonder of the world: those that understand compound interest earn it, and those that don't pay it. Some of the greatest financial tools ever devised are the least understood. I will educate you in ways you never dreamed possible about balancing financial risk and security.
THE POWER OF ZERO
It is being said that income taxes will be hiked in the near future. The national debt is setting the stage for massive income tax increases, probably over the next ten years. Call me today and learn about how they'll impact an entire generation of baby boomers and the proactive measures they and everyone else can take to protect their retirement plans from the crush of the looming national debt and higher taxes.
RISK MANAGEMENT
Beginning with a vulnerability assessment that identifies, quantifies, and prioritizes exposure, I next develop a plan to help you plug any gaps in your risk management plan: INCOME DOESN'T LAST FOREVER, TAXES ARE FOREVER. IT'S A BALANCING ACT.
PENSION PLANS, IRAs, 401Ks, SOCIAL SECURITY AND MORE
Do you know the difference between a defined benefit plan and a defined contribution plan?Between a simple IRA, a SEP, or a ROTH IRA? Which plans provide guaranteed lifetime income and which do not? Which plans are exposed to the vagaries of equity markets and which are not? The fact is most people contribute to or participate in plans without professional advice or knowledge and don't have a clue about their real exposure, risks and costs. Before you get too invested in a plan that may not provide you with the financial security you desire why not learn whether your plan is what you need and want? Additionally, as one approaches retirement age, professional advice is essential before applying for social security or medicare, too, because gaps in medicare coverage can expose one's household economy to devastating economic impacts, but, with a little planning, it can all work out for the better.
LEGACY AND ENDOWMENT
Do you have a personal or professional giving plan? Do you want to create a personal or professional giving plan, possibly partnering with a religious group, philanthropy, land conservation group or others to make meaningful contributions that will benefit generations to come? Engaging others, increasing endowments, starting conversations with beneficiaries can create predictable, dependable benefits far into the future while maximizing tax deductions for one's personal estate.
SPECIAL ADVICE FOR YOUNG PEOPLE
I strongly urge young people to capture and secure their insurability earlier in their lives, rather than later, when the cost of insurance is low, before too much time passes by, before they become ill, or before some other life event or expense prevents them from doing so.
SERVICES
BE YOUR OWN BANKER
Imagine that! If it's good enough for bankers . . . Premium financing for clients whose estates are large enough to be impacted by death taxes. Do you want your heirs to inherit your estate intact or be forced to sell to pay taxes? Do you want your business to continue after you pass, or be forced to liquidate to satisfy claims?
SPECIAL ADVICE FOR WOMEN
Do women need life insurance? You bet! Tips and advice on insurance, retirement, budgeting, savings and debt. Let's define your ideal life and support it with the proper financial structure to help you realize your goals. Life insurance today is more than a death benefit, it is one of the best financial tools ever devised. Whether you need to accumulate for retirement or create collateral for future loans, that is, be your own banker, permanent life products can be custom designed to fit the need.