Selected Services
Making healthcare, dependent care and flexible spending choices? Auto loans? Buy or lease? Refinance? 15 vs 30 yr. mortgage? Fixed or adjustable rate? Home equity line of credit? Best credit card?
Saving enough? How much will you need? Understanding your 401k, 403b or SEP plans? Social security expectations? Rollovers? Is a Roth or traditional IRA best for you? How to handle ESOP and stock options? Retirement health care? Annuities or reverse mortgages?
Worried about paying for college? Need help with the FAFSA process? Pre-paid tuition and dorm programs? 529 Plans? What is the most cost effective meal plan? What about student loans, grants & other financial aid?
Are you properly investing among stocks, funds, treasuries, bonds, & cash or certificates of deposit (CDs)? What are index or Exchange Traded Funds (ETFs)? Perhaps you pay too much in management fees?
We can help with health plan and homeowners, auto, life, disability, long term care, liability and umbrella choices. We sell nothing, so offer completely objective, unbiased advice for your specific situation.
Want to learn more or just need occasional guidance? We can coach you as you take control of your financial future. Whether breadth or depth, we will deliver tailored training for your specific need or situation.
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12 FAFSA Tips
Don’t make these mistakes . . . 1. Not Completing the FAFSA Form I hear all kinds of reasons: “The FAFSA form is too hard.” “It takes too long to complete.” “I’ll never qualify anyway, so why does it matter?” It does matter. For one, contrary to popular belief, there is no income [...]
Retire at 62?
Not so fast!! Doing so may significantly impact your retirement lifestyle. Retiring at 62 instead of 67 (full social security retirement age for many of us) reduces: your social security benefits by 25%. spousal benefits by 35% cost of Living Adjustments (COLA) thereafter spousal death benefits Additionally, once you leave [...]
Proven Planning Process
Our financial planners will work with you to determine your goals and objectives and to establish appropriate plans for your unique situation following this proven planning process. Step 1: Gather Information and Determine Your Current Situation In this first step of the financial planning process, the financial planner will help [...]
Time for a Check-Up?
Here are a few reminders to help you stay fiscally fit: Review your insurance policies. Double check coverage and beneficiaries. Check on the progress of your college, retirement and other savings plans, updating fundamental assumptions if needed. In August, take advantage of your back to school sales tax holiday. Plan for employer healthcare open [...]
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