We Help Families Live Confidently Knowing Their Finances Are Being Cared For

We want to be your financial partner. Here’s how we help…

Investment Management

Taking a long-term approach to investing is not always an easy path, but as history shows it has been the right one. When you decide to work with us, one of our first discussions will be pertaining to risk tolerances.  We believe the most important component of investing is determining the level of risk you are comfortable with and managing your investments to meet those stated objectives. While no one can control the markets ups and downs, we can try to limit how much of the volatility you want to realize through proper asset allocation and planning.

The chart below shows how market volatility is actually very normal, the issue is, will you make emotional decisions and be reactive, or take the long-term approach and wait out the volatility. The chart shows various timeframes dating back to 1929 and the corresponding worst market decline and subsequent market gains (S&P 500) during that timeframe. As you can see, volatility is normal and historically speaking the market has recovered.

All investing involves risk, including the possible loss of principal. There is no assurance that any investment strategy will be successful.

Investors cannot invest directly in indexes. The performance of any index is not indicative of the performance of any investment and does not take into account the effects of inflation and the fees and expenses associated with investing.

Financial Planning

Your AdviceWorks dashboard incorporates financial planning software into it, allowing you to enter your information and see “what-if” scenario’s based on a variety of financial factors. Then we as your advisors can review that information with you and help tailor a plan that meets your financial objectives. The technology allows us to run over 10,000 simulations of various financial factors to see what the probability is of a successful retirement. If the outcome is projected low, we can make adjustments to increase the likelihood of a successful retirement.

Retirement Planning

Typically, clients nearing retirement are less focused on taking risks, and more focused on preserving their wealth and creating a consistent income stream that can last. With this in mind, we develop conservative strategies with a focus on risk management. We seek to identify opportunities for building a consistent income that will last through retirement and help clients determine when they may be able to retire. The retirement income planning process often includes analyzing income sources, managing assets, determining future expenses, and estate planning.

Estate Planning

Beyond building wealth for their life, many clients want to leave a legacy to family members. Critical to achieving this is an estate plan. An efficient estate plan not only incorporates tax reduction strategies to save on probate fees but also aims to ensure that your assets transfer to your desired beneficiaries. We help you create a detailed inventory of your assets and who will receive what and when. We also work as a team with your estate planning attorney and accountants to help coordinate all of your planning needs and can then store all sensitive documents on your AdviceWorks portal making it easy for beneficiaries to locate account information and estate documents.

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither LPL Financial nor any of its representatives may give legal or tax advice.

College Planning

Many parents and grandparents want to plan for future college funding while still saving for their retirement. We seek to strike a balance between the immediate need for college planning and future retirement goals. We can help clients determine appropriate educational plans, such as a 529 plan or whole life insurance policy, that will allow them to save while also planning for retirement.

Investors should consider the investment objectives, risks, charges and expenses associated with municipal fund securities before investing. This information is found in the issuer's official statement and should be read carefully before investing.
Investors should also consider whether the investor’s or beneficiary’s home state offers any state tax or other benefits available only from that state’s 529 Plan. Any state-based benefit should be one of many appropriately weighted factors in making an investment decision. The investor should consult their financial or tax advisor before investment in any state's 529 Plan.


Tragic events like death, disability, or critical illness can derail properly prepared financial plans if insurance is not in place. When faced with such a situation, insurance can protect you and your family from undue hardship. For this reason, a variety of insurance coverage’s are an essential element of any financial plan. After evaluating your needs, we can recommend the most appropriate form of insurance and amount of coverage. Through a vast network of providers, we offer several types of insurance, including:

  • Term Life Insurance
  • Whole Life Insurance
  • Buy / Sell Agreements
  • Long-Term Care Insurance
  • Disability Insurance
  • Critical Illness Insurance


We provide our clients with their own personal dashboard called AdviceWorks that will show you all your household accounts in one easy to navigate portal. You can import your bank accounts, credit cards, mortgage, 401k plan and any other financial accounts you have into your AdviceWorks dashboard. Plus, our system incorporates spending strategies, budgeting and financial planning software right into it, allowing you to see how the decisions you make today can impact your future! In addition to having a convenient place to view your accounts, your AdviceWorks portal also provides you a secure vault to store important items like wills, trusts, passports, insurance policies, tax returns and so much more.

Have a Question?

Thank you!