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Financial Planning

"People don’t plan to fail, they fail to plan." Financial planning begins with your desire to protect yourself, your family and your dreams all within budget. Determining your timeline is the most important factor. As we look into what you want and need - we will check the various areas of your life you already have planned out. Are those plans adequate to meet your goals? I will expect to obtain information in the following areas to be able to assist you:

  • What are your specific, attainable goals
  • Time horizon to attain those goals
  • Personal information that pertains to the areas of need
  • Checking to see the last time your will/trust was updated
  • Identify any road blocks that might inhibit achieving those goals
  • Develop methods and procedures that allow us to achieve those goals
  • Develop a personal budget or cash flow to aid in achieving your goals
  • Implement the strategy to put a course of action into place
  • Review and monitor the plan and how it is progressing toward your goals


We can assist in coordinating your pre-retirement as well as your retirement needs. We will look at different types of vehicles to assist in achieving your goals.

  • Mutual Funds
  • Immediate Annuity
  • Single Premium Annuities 
  • Fixed Annuities
  • Index Annuities
  • Variable Annuities
  • Brokerage Accounts
  • Coordination of Investment Portfolios

Risk Management

Life Insurance

We will look as to which type of life insurance you may need. Life insurance is only purchased if there is a need. If needed, we will coordinate your budget with your desires by using one of or a combination of the following types of life insurance:

  • Term (10-, 15-, 20-, or 30 years of coverage)
  • Whole Life (starting at $5,000 of death benefit and up)
  • Universal Life (starting at $25,000 of death benefit and up)
  • Indexed Universal Life Insurance
  • Variable Universal Life (starting at $50,000 of death benefit and up)
  • Second-to-Die Life in either Universal, Indexed or Variable Universal (starting at $100,000 death benefit and up)

Disability Insurance

  • One area of the biggest concern is insuring you against loss of income due to injury or illness.  Most injuries don’t last more than a couple of months but what if yours does.  You will be faced with paying your bills with no income.  We can look at the following areas:
  • How much we have set aside for emergencies such as disability
  • How long might we need the coverage to last
  • How much money could we get in a disability situation
  • When could it start helping to pay the bills (most disability policies will only pay up to 60% of your earned income and that decreased to 50% after 6 months)

Long Term Care

We use long term care (LTC) insurance for a couple of reasons:  one is to fully pay (or assist in paying) medical bills due to nursing home stay, in-home medical needs and/or assisted living situations.  The other reason is to protect the assets you have worked your whole life accumulating and protecting.  We use LTC to help in passing your estate to your beneficiaries.

*All Insurance guarantees are based on the claims-paying ability of the issuing insurance company.


Estate Planning

We use a team approach to estate planning by coordinating with your accountant and attorney. We have attorneys for particular types of cases. If you have your own team – you will want us to become familiar with them in helping you reach your estate planning goals. Some of the areas that we incorporate attorneys are for the legal work in the following:

  • Wills
  • Trusts
  • Buy/sell agreements
  • Family limited partnerships
  • Irrevocable life insurance trusts
  • Land annuities
  • Charitable remainder trusts
  • Grantor remainder annuity trusts

Registered Representative is NOT an attorney. The Registered Representative will help review the documents and recommend a local attorney that specializes in Estate planning. Estate planning can involve a complex web of tax rules and regulations. You should consider the counsel of an experienced estate planning professional before implementing any strategy. LPL Financial does not provide tax or legal advice.