How I Can Help You Financially . . . I Can Help You:

• Manage your current income tax burden

• Develop a simple, coherent savings and investment program that allows your money to work for you and strive to stay ahead of inflation

• Coordinate and maximize insurance coverage

• Utilize life insurance coverage as a retirement or estate-planning vehicle

• Maximize options under existing retirement and savings plans to target higher income

• Ensure that at your death your property will be left to the people and/or organizations you desire and not be liquidated to pay taxes or distributed according to rigid estate laws

Areas of Expertise . . . Tax Planning:

• Keogh plans

• Individual Retirement Accounts (IRAs)

• SEP-IRAs

• Tax-deferred annuities

• Tax-free investments

Personal Financial Planning:

• Fee-based financial planning

• Individual retirement planning and funding

• Estate planning

• College funding

• Mutual funds

• Full stock and bond trading

• Income tax planning

Business Financial Planning:

• Employee benefits (including group health and dental)

• Business continuation (buy/sell agreements: death and disability)

• Corporate pension plans: 401(k) plans

• Cafeteria plans

Risk Management:

• Life insurance

• Mortgage protection plans

• Disability income insurance

• Group and individual medical insurance