Our Services


We help individuals, families and small businesses with various areas of financial management using investment securities and insurance products. 

Retirement Planning:  We establish periodic investment plans and allocate portfolios per individual goals and risk tolerance.   We help create income streams for retirees.

Education: We offer 529 plans and other investments for college saving plans.

Portfolio and Investment Allocation:  We help investors understand that risk of loss is very real and normal in some markets, and how to diversify to reduce risk.

Insurance Planning:  When appropriate, we may suggest life insurance or long term care insurance, or a combo policy that covers both.  

Capital Preservation:  For the very risk averse, we sometimes suggest guaranteed annuity contracts with interest rates fixed by the insurance carrier.

Estate Planning:  We discuss when a trust is advisable and compare a trust to a will using Transfer on Death beneficiary designations.  We educate about the importance of powers of attorney and living wills.*

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Asset allocation does not ensure a profit or protect against a loss.

LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.

*Please consult your legal advisor regarding your specific situation.