The Process

Putting the Pieces Together
As our financial responsibilities grow, most of us find it hard to keep the whole picture in view. Like a jigsaw puzzle, the more pieces you have the harder it is to be sure where you're headed. From taxes to investments to insurance, you may currently have several advisors whom you consult on fragmented areas of your financial life.

Thru Personal Financial Planning we help bring all the pieces together in one comprehensive plan suited to your individual situation. And what's more, we seek to put the "Personal " back in financial planning by accounting for your goals, your needs, your overall financial situation.

How help we make the Complex Simple
By completing our strictly confidential questionnaire, you supply us with the details of your personal financial resources, assets and liabilities. We analyze this information and provide you with specifics of your financial position and your ability to meet your goals. We then recommend the strategies you should employ to help meet these goals. A completed picture you can live with.

The Right Plan for You
We believe the Personal Financial Planning is just what you've been looking for: strives to be unbiased, thorough, and clear. And best of all, since your financial information generates the plan, the plan is truly yours.


  • BASIC NEEDS: Analysis of your spending on housing, food, clothing, savings, etc.. with a comparison of your spending habits to national averages.
  • RISK MANAGEMENT: Specific ideas on how you can protect yourself and your family from future uncertainties while helping keep cost to a minimum.
  • EDUCATIONAL NEEDS: A realistic plan for funding your children's education. We sort out the complexities and identify the best methods for meeting your goals. complete_puzzle.gif
  • RETIREMENT PLANNING: Preparing for retirement given the inadequacy (for most of us) and uncertainty of Social Security Benefits can be troubling. A comfortable retirement is an important goal; Personal Financial Planning will help guide you on how you may achieve it.
  • INCOME TAX STRATEGIES: Individual advice on safe, tax-oriented strategies to help you keep more of what you earn.
  • INVESTMENT PORTFOLIO MANAGEMENT:* Investments are probably the most confusing area of all. We show you how to achieve a diversified portfolio tailored to your age and size of your portfolio while maintaining the delicate balance between risk and return.
  • ESTATE PLANNING: Assurance that the wealth you accumulate goes where you want it to go. We discuss the necessity for updated wills, power of attorney, medical directive, trusts and offer strategies for reducing estate taxes.

A Continuing Process
Because your financial situation or your goals are likely to change periodically, financial planning should be a continuing process. We can help you keep your financial strategy up to date with a new plan as often as you need one, and by advising you regularly on your implementation program needs.

Take the First Step
Let us help you fit together the elements of your financial life. For more information, or to get started, use our handy information request form. We will help you put together the parts of your financial puzzle in a most unpuzzling way.




Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. There is no guarantee that a diversified portfolio will perform better than a non-diversified portfolio in any given market. Please note that individual situations can vary.  Therefore, the information presented here should only be relied upon when coordinated with individual professional advice.