Are you financially prepared for when you stop working, not just living day to day but in all aspects of life? And how much money should you be saving? If you are unsure of these answers, we’ll help you identify your income sources, evaluate your financial needs, and help you work toward a savings plan. You have goals and dreams for retirement, and we’d like to help you work toward them.

Asset allocation involves a basic approach to financial planning and consists of a review of allocations based upon five major components, i.e., your age, income, net worth, risk tolerance, and time horizon. The results are used to begin the planning process.

If you currently have life insurance, we’ll review your policies and all of your current beneficiary designations with the goal of prudent asset transfer. The review will also include “in-force illustrations,” which compares past (actual) performance with anticipated performance. There’s also a focus on eliminating potentially costly factors such as lapsing, over-insuring, under-insuring, and under-performing. If you are considering insurance, we’ll make recommendations and review with you the advantages and disadvantages.