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Tiers of Services

Over 40 years in business our advisors have a lot to offer, but not every person needs or wants the same thing. This is not a one size fits all type of thing! So we customize all of our advice on who you are, what you want and what you need. So we offer different tiers of service.

  1. Comprehensive Wealth Planning and Wealth Management-

    This is the service that we built our practice on and the principles inform all the rest of our services offered. The system and the principles are simple- all of your planning, products, and legal documents should all work together towards the same goal and that goal has to be your goal. So often we review people’s insurance, products and their financial plans and all three accomplish different goals and none are the ones described by my clients! We have a system called the Wealth Control System ™ we use to make sure all of your financial and legal pieces come together do what you want them to do.

    We have a team of different types of professionals to review the different pieces of your puzzle and we all work together to craft the plan that works for you. We also routinely work with the trusted professionals you already have in place if that is your preference.

  2. Formal Reviews- The only consistent thing in life is change. Even the best financial plan, will, trust etc. should be reviewed every so often. Especially if you have a major life event like the birth of a child, a marriage or, in business, if you bring on a new partner or when a partner retires. 

    We offer several types of reviews, all include a bound report at the end and action items to fix any issues unearthed during the process.

    Business Reviews-  most businesses already have significant planning in place.  We offer reviews of existing business planning for a fee, and that fee is based on the complexity of that planning. We can review business planning on a small or larger scale; These reviews can include but aren't isn't limited to- reviewing group benefits, retirement plans, executive benefits, buy-sell agreements, the funding for buy-sell agreements, key-man insurance.

    Retirement Reviews including Social Security planning- People focus on the growth of their retirement accounts, but until they approach retirement they don't really think about how they will take that money out, this topic is called distribution planning. We routinely review retirement accounts, annuities, IRAs, 401ks, Roth IRAs and 401ks, 403b, pension statements. Many people have money in more than one type of account, earmarked for retirement, we can review these various accounts and let you know how they are doing, if they are age and goal appropriate for you and we can review your current distribution strategy so you can take money out in the most tax-advantaged way possible. We also can take the age of retirement into account and social security benefits. 

  3. Products- If you already have a financial plan, you may just need some insurance to follow your plan. This is our most basic layer of services offered. We will still need to ask you questions, but this is very basic. Our advisors are very knowledgeable about the various products out there both in theory and in practice and we use 90+ of the top-rated insurance companies and know how the products compare to one another. We also offer a wide range of investment options. The purchase of any product with our firm also includes a complimentary annual review for that product which can be in person, over the phone or even just an emailed annual report, depending on your preference.