This is an ongoing, process-driven service over the course of our relationship that includes retirement planning, estate planning and investment advice based upon a deep understanding of your goals. It may also involve coordinating with your attorneys and tax professionals to provide tailored strategies so that no stone is left unturned.


This process begins by taking an account of your personal tolerance for investment-related risk. We manage risk by diversification, however understanding what levels of volatility you can absorb is critical to determining what investments are appropriate, and which financial instruments are suitable and which are not. These instruments can include mutual funds, ETFs, stocks, bonds, REITs, Master Limited Partnerships (MLPs), annuities and others as appropriate. Together, we will plan your vision with the understanding that short-term losses are inevitable, but as long as you can weather the storm and make strategic adjustments where necessary, we aim to keep you on-track toward your long-term vision.

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.


You don’t plan for retirement when you retire, you start the process beforehand. That way you know what lifestyle you’re trading your working life for, which reduces your uncertainty. How much of your working income will you want to replace through a combination of your investments, Social Security, annuity income, pensions, inheritance and so on? Do you have to fund someone’s education as well, and would you like to know your options? I’ll help you figure that out and update your plan as circumstances change.


As the slogan goes: insurance is like a parachute; if you don’t have it the first time you need it, there is no second chance. If life throws you a curve ball, your retirement plan can turn into a month-to-month savings account overnight. I will help you avoid this risk and determine whether you need to protect your family in the case of an untimely death.