Financial planning can benefit everyone.

Regardless of your age, marital status, income or net worth, time spent planning ahead with respect to things like insurance, investments, saving for retirement and paying for kids' college is time very well spent. For those who don't consider themselves experts, working with a knowledgeable financial advisor can take the guesswork out of the process. A good financial advisor should guide you toward solutions, help you avoid mistakes and provide an on-going source of valuable information and unbiased, personalized advice when you need it. Strategies, advice and priorities will differ from person to person, but the benefits of planning ahead have a universally positive impact. "Failing to plan is planning to fail."

For most, regular saving and investing is the key to financial success.

No financial decision will have a greater impact on a person's financial success than the decision to save regularly, periodically invest a portion of one's income and to allow this money to grow over time. The most common need for long-term savings is retirement, and most of us would like to reach a point where we can comfortably retire, travel and enjoy our hobbies and our families. For most people, income sources like social security and pensions will not be enough to live comfortably, and we will have to make up that shortfall ourselves. Luckily, a well-thought-out periodic investment plan using a combination of a workplace retirement account (401(k), 403(b), SIMPLE IRA, etc.) along with another tax-advantaged account like a Roth IRA can result in very significant savings over time. This is all most people will ever need to do for retirement savings, and even relatively small amounts ($200-300 per month) can result in in hundreds of thousands of dollars accumulated by retirement age when invested over long periods of time!

When it comes to investing, the details matter.

Whether it's in an IRA, 401(k), college savings plan or other account, there are numerous mutual funds, exchange-traded funds, stocks and bonds available for investment. There are also dozens of potential investment strategies that can be implemented. As a registered investment advisory firm, our focus is understanding this universe of investment options and strategies - along with current market and economic conditions - in order to best allocate our clients' money over time to meet their investment objectives.

Working with a financial advisor should be easy and enjoyable.

As your financial advisor, we will be available to you when questions, big financial decisions or other issues arise. We'll stay informed of changes in tax laws, rules and regulations that may affect you, manage your investment accounts, and keep track of all planning items we initially discussed. Rarely is there a need for frequent meetings, long phone discussions, or lengthy, tedious planning or record keeping on your part. E-mail and text messaging have enabled us to stay in touch with clients quicker and more easily than ever. Simply keep us informed of any major changes in your financial situation, plans or goals, and we will do the rest.

Call or e-mail our office to get started!