Services

I help individuals and business owners in all areas of financial planning, including:

• Retirement planning
  Making the most of your employer-sponsored retirement plans and IRAs. Determining how much you need to retire comfortably. Managing assets before and during retirement.

• Investment Planning
  Determining your asset allocation needs. Helping you understand your risk tolerance. Recommending the appropriate investment vehicles to help you reach and exceed your goals.

• Tax Efficient Strategies*
  Making sure you don't pay a penny more than the law requires. Looking for ways to help reduce your current and future tax burden. Referring you to qualified tax specialists.

• Risk management and Insurance
  Reviewing existing insurance policies. Recommending policy changes when appropriate. Finding the best policy for your situation.

• Estate planning
  Reviewing your wills* and trusts. Helping preserve your estate for your intended heirs. Helping with beneficiary designations. Reducing exposure to estate taxes and probate costs. Coordinating with your tax and legal advisors.

• Education Funding
  Recommending investment and accumulation strategies to help you pay for your children's education.

• Employee and executive benefits
  Helping your business attract and retain qualified employees through benefit packages.

*For a comprehensive review of your personal situation, always consult with a tax or legal advisor.  Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.