How can you plan for the unexpected? Life throws us stress-filled curveballs. Unemployment.  Disability and illness.  Premature death. Tax. Divorce. These are examples of challenges that commonly result in a great deal of financial strain for individuals and families. When you have a financial plan, you’re not “batting blindfolded” and you don’t have to guess what base you’re on financially.  You know. We can help you prepare for the unexpected and identify options and strategies for using the resources you have to best meet your needs when that next curveball comes your way.





  • Emergency Cash Flow Planning

    Ideally, you have three to six months of living expenses tucked away for the unexpected.  In reality, you may be among the majority of Americans who don’t have enough savings to cover a $500 emergency. If you find yourself in a financially-stressful situation, we can help you identify and evaluate your options, and prepare a plan to get through a crisis, should one occur.

  • Legal and Tax Referrals

    Divorce? Tax Issues? Bankruptcy? Some life events require legal representation. As such, we regularly collaborate with lawyers on behalf of our clients and have a list of trusted professionals ready to assist with a variety of legal needs.

  • Estate Planning

    Planning for the unimaginable is the only way to ensure that your legacy in passed on in the way that you prefer. The process of estate planning helps you identify issues you may not have considered, and prepare for them.  Putting an estate plan in place puts you and your family in control, and helps minimize the stress, time, and expense of settling your estate.

  • Market Volatility

    Fear and greed are great motivators; studies have shown that most investors, likely because of these motivators, sell their investments when their values drop, and buy investments that are high-priced.  This “sell low, buy high” pattern can drastically reduce investment performance over time.    In a time of uncertainty, we provide the information you need to make rational, informed decisions that are based on facts, experience and your goals – not emotions.

  • Employee Benefits

    You may need to make decisions regarding your loved one’s employee benefits if they become injured or die, leaving behind retirement savings and/or employer-sponsored life insurance.  We can guide you through the process of determining what to do and when, and explain options available to you regarding their benefits.


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