Think of a mutual fund as a way for a huge group of people to pool their money together for more purchasing power. These funds are managed by a Fund manager who can purchase more shares and are able to diversify fund holdings. This generally provides an instantly diversified portfolio.

ETF’s operate similar to a mutual fund. Most ETFS follow a market index and do not buy and sell
individual securities. For that reason, ETFs are very lo
that reason, ETFs are very low cost. They trade like a stock all day as compared to a mutual fund that 
trades at the market closing price.

A stock purchase is an ownership in a company. Many companies issue stock, also known as equity, to raise money for expansion, equipment upgrades and other costly ventures. By purchasing stock, you are paying for a percentage of everything the company owns. Generally, investors purchase stock in hope of realizing capital gains.

It’s easy to put off thinking about these expenses hoping your child will receive a scholarship or financial aid. With the flexibility and convenience of today’s college savings plans, many alternatives make good sense for parents and family members to help contribute to saving for college. Let us help you give your child the opportunity for a bright future they deserve.

It’s never too early or too late to plan for retirement. We work with you to define your retirement goals, how long you have to reach them, potential growth 
and calculating after-tax investment returns.

Bonds may provide a predictable income stream and safety of capital. They can help meet future wants or needs such as vacations, college funding or home purchase. Over time, bonds can provide excellent risk-adjusted returns if held to maturity.

A variable annuity combines tax deferral benefits with long-term growth potential of stock and bond investments and can be an alternative to help build retirement assets you need. Annuities are available as fixed interest rate, variable and indexed. Index annuities follow various stock indexes with no possible loss if the market index declines. All annuities can offer guaranteed lifetime income.

Life insurance is an essential part of financial planning and can help replace lost income upon your death and give your dependents financial security in a difficult time. We can help determine how much life insurance you may need. Life insurance owned by an irrevocable trust can be a tax-free distribution to heirs or to pay estate taxes. It can also be used to fund a business buy/sell agreement.

Long-term care insurance is often considered for older folks, though that’s not necessarily true. It’s purpose is to safeguard individuals and their assets against catastrophe. When younger people need long-term care due to illness, injury or disease, it can be financially devastating to families. One popular form of LTCI is a hybrid life insurance that also provides long-term care benefits.

Creating a legacy that reflects your life, who you are, and what you’ve accomplished doesn’t have to be a gloomy task. It can be life-affirming to preserve family values give in a way that never stops giving . We work closely with your advisors to create a lasting legacy so your assets go to those dearest to you and in accordance with your wishes.