CERTIFIED FINANCIAL PLANNER™ with 28 years of experience helping affluent families, business owners, retirees, and professionals make confident decisions around retirement, investments, insurance, long-term care, and legacy planning. What they may not want is a disappointing product-pushing experience with no consideration for their situation or long-term aspirations. My goal is to put clients and
their families on the path to financial independence and enabling them to work toward achieving their goals. I do this by providing objective advice, flexible investment strategies, and complete transparency through a comprehensive array of financial services tailored to individual clients’ needs and objectives. Decisions and recommendations are based on what is in the best interests of the client, not on promoting certain products or investments. In my opinion only one measure of performance counts: am I helping you meet your goals? The first step is to sit down and discuss your situation and objectives, recognizing they are different for every client. I will then present you with a plan which is tailored specifically to your needs, conduct periodic reviews with you and answer any financial questions you have whenever they arise. The result is a strategy that is uniquely yours. Services:
Financial Planning - A thorough analysis of a client’s resources, circumstances, needs and goals is the basis for a customized financial plan and investment strategy. Your personalized plan will be designed to address the goals and concerns most important to you, such as building toward a comfortable retirement, providing for your children's or grandchildren’s education, planning your legacy through a carefully designed estate, maximizing tax advantages and selecting appropriate insurance policies. Asset Management - The process of portfolio management is one of the strengths of LPL Financial. Using proven principles of asset allocation and modern portfolio theory, we offer customized portfolios that combine stocks, bonds, mutual funds and exchange-traded funds. This blend of assets is geared to the individual client’s goals, risk tolerance, preferred time frame and stated investment objectives. Many years of experience and pooled market knowledge help provide you with sophisticated investment guidance and well-informed, thoroughly researched recommendations. Portfolio components are monitored and adjusted so that your asset allocation remains consistent with your stated objectives. Risk Management and Insurance - Managing financial risk is the core of contingency planning. To help ensure that clients are well-prepared for the unexpected – such as accidents, illness or disability – I evaluate existing risk management strategies and, as needed, suggest insurance products for life, disability and long-term care coverage. Tax and Estate Planning - Coordinating your financial plan with your accountant, attorney and other advisors is crucial. I will work with other members of your team to ensure that all of your advisors are working together toward your goals, such as minimizing tax burdens and providing for your heirs. Should you need additional expertise in a specialized area, I am able to draw on a network of financial professionals. Specific individualized tax or legal advice not provided. We suggest that you discuss your specific situation with a qualified tax or legal advisor.
