Innovative Financial Planning Tools

Personal Financial Planning Solutions

The innovative software we use to provide financial planning services lets you see everything in one place. We analyze your information and use this software to create reports that will display your current situation, identify immediate and long-term needs, define goals and expectations, and outline ways to overcome shortfalls -- to make it easier for you to see your situation as a whole. Our financial analysts provide and analysis based on the data that you provide, so your financial services are completely customized to your situation.

Lifetime Wealth Management Strategies

What do you include when asked to determine the value of your total economic wealth? If you are like most investors, you probably turn to a balance sheet of financial assets such as stocks, bonds, mutual funds, real estate holdings, and retirement savings accounts to calculate your financial net worth. This traditional definition of wealth, however, is incomplete. It overlooks what may be your largest asset - your "human capital".

Human capital is the present value of all your expected future income, including your pension income and Social Security benefits. Our approach is to evaluate your current income, your savings rate, and your work or retirement situation to help determine how large an asset human capital is for you and its affect on your overall asset allocation.

Your human capital should drive life insurance selection and asset allocation decisions throughout your retirement planning and during retirement. In pre-retirement, incorporate life insurance into your asset allocation to help mitigate risk and enhance the economic value of your portfolio. In retirement, use guaranteed lifetime income annuities* to hedge against the risk of outliving your retirement savings.

With our guidance in the assessment of your financial situation and the establishment of your goals and priorities, we can develop long-term financial planning strategies for you that provide solutions that address both asset allocation and insurance needs.