Investment Services

Retirement Planning - You may have a very idealistic vision of retirement — doing all of the things that you never seem to have time to do now. But how do you pursue that vision? Social Security may be around when you retire, but the benefit that you get from Uncle Sam may not provide enough income for your retirement years.  

Financial Planning - Why is financial planning important? A comprehensive financial plan serves as a framework for organizing the pieces of your financial picture. With a financial plan in place, you'll be better able to focus on your goals and understand what it will take to reach them.

Individual Retirement Accounts (IRAs) offering both Traditional and Roth - What is an individual retirement account (IRA)? An individual retirement account (IRA) is a personal savings plan that offers specific tax incentives to encourage you to save for retirement. Currently, there are two types of retirement IRAs. Traditional IRAs allow for tax-deductible contributions under certain conditions. Roth IRAs are funded with after-tax dollars, but may allow for tax-free withdrawals under certain conditions.
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Advisory Accounts - An advisory account, often referred to as a managed account or advisory account, is a type of investment account where a professional financial advisor or investment manager makes investment decisions and manages the portfolio on behalf of the account holder. These accounts are typically offered by financial institutions, brokerage firms, or registered investment advisors.
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Estate Planning** - Isn't estate planning only for the rich? In a word, no. Estate planning allows you or anyone to implement certain tools now to ensure that your concerns and goals are fulfilled after you die. Your objective may be to simply make sure that your loved ones are provided for. Or you may have more complex goals, such as avoiding probate or reducing estate taxes.
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Annuities - An annuity is a contract between you and an issuer (usually an insurance company). In its simplest form, you pay a premium in exchange for future periodic payments to begin immediately (an immediate annuity) or at some future date (a deferred annuity) and to continue for a period that can be as long as your lifetime.*
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Mutual Funds and Exchange Traded Funds (ETFs) - Learn more about A fund that pools the money of many investors and invests in many different securities, selected according to the fund's investing objective and strategy. Most mutual funds are open-end mutual funds; the number of shares varies with demand and the amount of money invested in the fund. Exchange-Traded Fund A fund that, like a mutual fund, pools the money of many investors and invests in many securities. Typically, an ETF invests in the securities included in a specific index.
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College Saving Plans (529) - 529 savings plans are more popular than 529 prepaid tuition plans because they are broader in scope and more flexible. Almost every state offers at least one 529 savings plan, but only a handful of states offer a prepaid tuition plan. Generally, you can join any state's savings plan, but you can only join your own state's prepaid tuition plan. The type of plan you choose will depend primarily on the type of college you think the beneficiary might attend
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Life Insurance - Your need for life insurance changes as your life changes. When you're young, you typically have less need for life insurance, but that changes as you take on more responsibility and your family grows. Then, as your responsibilities once again begin to diminish, your need for life insurance may decrease. Let's look at how your life insurance needs change throughout your lifetime.
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Long-Term Care Insurance - As we get older and our health declines, the greater the chances are that we will require home care, nursing home care, or other assisted-living arrangements. This care is quite expensive, and Medicare, HMOs, and Medigap don't pay for it. You might want to look into purchasing long-term care insurance (LTCI) to protect your assets in case you need long-term care.
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