Choose Your Plan

Level One

You have ten years or less in the work force.


You have an important financial decision coming up such as buying a new home, paying off credit card debt, or accepting a job offer.


You need basic help with asset management and may need an asset allocation plan.


You are not ready for a comprehensive plan, but would like advice on basics like college planning, starting a new business, or investing in real estate.


Individual discussion topics could be one or more of the following:

  • Cash flow management
  • Debt management
  • Life, health, long term care, or disability insurance review 
  • Investing 
  • Retirement planning
  • Basic income tax planning
  • Basic estate planning 

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Level Two 

You would benefit from learning more about basic concepts like cash flow planning and debt management.


You are just getting started with your retirement planning.


You have a 401(k) or an IRA you would like to rollover.  


You are interested in college planning for your young children or grandchildren.


You are seeking objective advice about basic insurance coverage like life, health, and disability insurance.


You want to build a framework for making future decisions.


Your comprehensive financial plan would typically include the following:

  • Cash flow management
  • Debt management
  • Life, health, disability insurance review
  • Investing
  • Developing an asset allocation plan
  • Retirement planning
  • Income tax planning
  • Estate planning

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Man Viewing Investment Options

Level Three

You have the characteristics of a Level Two, but to a more complex degree.


You are established in your career or approaching retirement.


You have a  benefits package with your employer  that should be evaluated in regards to your:

1. 401(k) , Roth, or Pension 2. Life Insurance 3. Disability Insurance 4.  Long Term Care Insurance


You have already accumulated a moderate level of investments. 


You have additional personal insurance policies that need to be evaluated.


You want to build a framework for making future financial decisions.


Your comprehensive financial plan would typically include the following:

  • Cash flow management
  • Debt management
  • Life, health, long term care, disability, and umbrella insurance review
  • Investing
  • Developing an asset allocation plan
  • Retirement planning
  • Income tax planning
  • Estate planning

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View From Within Skyscraper

Level Four

You have the characteristics of a Level Three, but to a more complex degree.


You have multiple investment portfolios such as IRAs, individual accounts, etc.


You could benefit from financial advice on one or more employee sponsored 401(k) plans. 


You are a business owner, or have a household income higher than $150,000.


You have multiple sources of current or future retirement income such as: Social Security income ; IRA/Investment Income; Pension Income; Business Income; Rental Property Income


You have personal insurance policies that need to be reviewed. 


You have a deferred compensation plan or other unique pension concerns.  


You want to build a framework for future financial decisions.


Your comprehensive financial plan would typically include the following:

  • Cash flow management
  • Debt management
  • Life, health, long term care, disability, and umbrella insurance review
  • Investing
  • Developing an asset allocation plan
  • Retirement planning
  • Income tax planning
  • Estate planning

Click Here for Fees