I take a holistic approach to your financial health. I learned early in my career as a financial planner that planning goes beyond just choosing investments. This practical experience created the foundation of why I do what I do. My goal is to help people avoid common mistakes in planning for their future financial needs. I’ve been able to accomplish this by guiding and assisting my clients in 3 areas.

1. Investment Planning – This is the initial reason why my clients decided to work with me. I’ve created a time segmented strategy that’s based on a philosophy of using time as an approach to help weather the storms of market volatility and preserve assets that are needed for short term cash flow needs.
2. Tax Strategies – I feel tax management strategies and financial planning should be done together. There are 3 phases of tax liability that need to be addressed to potentially minimize your tax liability now, and in retirement. It’s vital that what you’re doing now and in the future doesn’t have adverse tax consequences in retirement.
3. Planning for Uncertainty – It’s not a matter of “if” something happens, it’s a matter of “when” and I want to make sure that “when” something does happen, it minimizes any negative impact on your financial health. I work with my clients to identify any gaps in their financial plan and fill those gaps to limit the negative impact they could have on their financial health.

Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Please note that individual situations can vary.