6 Core Concepts

Your Gameplan

“A goal without a plan is just a wish.”

We do not want you to wish for your retirement to be successful. We want to help construct a roadmap with you.

Harmonizing Key Aspects of Your Financial Future

Estate Planning

We can help you be aware of the multitude of options available to protect your wishes now and when you are no longer here.

  • Living Will & Power of Attorney
  • Will & Trust
  • Beneficiary Designations
  • Professional Trust Management
  • Asset Placement

LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.

Investment Concepts

Establishing your personal protection & growth strategy. We act as investment fiduciaries, always putting your interests first. Our team follows a variety of methods to shape investment strategies.

  • Quality Matters - We do not speculate.
  • Dividends & Income 
  • Time In, Not Timing - No one can consistently predict the market
  • Diversification - Make sure all your eggs are not In one basket

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

Dividend payments are not guaranteed and may be reduced or eliminated at any time by the company.

Strategic Tax Planning

Working with your professionals aiming to find responsible ways to reduce your tax burden. Paying taxes on money made is better than not paying taxes on money not earned. We discuss the methods of living your life while keeping taxes in mind.

  • Tax Awareness
  • Retirement Plans
  • Insurance Strategies
  • Wealth Transfer

Banking/Cashflow Strategies

You should have a plan to make sure you have the spending ability you need within your capabilities. We ask the questions so that you can get the answers you need.

Banking Strategies

  • How much cash should my family keep on hand?
  • How do I make interest on my cash?

Spending Strategies 

  • Should we use a credit card? 
  • When should we take a loan? 


Real Estate Planning

Incorporating the various properties you own and live in can open up different tax-aware paths to long-term financial strength. We will discuss which real estate strategies might help you.

  • Personal Home
  • Rental Properties
  • Vacation Properties
  • Commercial Real Estate & Farmland

Insurance Planning

Effective insurance planning is about “covering what is catastrophic, not inconvenient”. Be ahead of the curve if and when the unthinkable happens. We will discuss your many insurance options, including:

Home, Auto & Umbrella

  • Policy Limits
  • Coverage Differences

Health Insurance

  • Medicare
  • Deductibles
  • Non-Covered needs

Life and Disability

  • Pay For What You Need
  • Understanding Tax Benefits
  • Protect Your Income

Other Insurance

  • Long Term Care
  • Cancer Policies
  • Pet Insurance


These Core Concepts apply to everyone differently and that is why we take the time to get to know you, your situation, and your goals to help create a complete and informed game plan

Let’s Create Your Financial Game Plan!