Customized services based on each individual client

Helping clients reduce risk with their retirement savings

Retirement Preservation Planning

You have spent an entire career to build your retirement nest egg. To have unexpected global events completely out of your control put a significant dent in those savings is demoralizing. We can help put together preservation strategies that still provide a percentage of the market upside, while completely insulating you from loss of principal due to market declines resulting from unforeseen events.

Retirement Income Planning

We believe an enjoyable and lasting retirement depends on having a stable retirement income. After looking at your unique financial situation, we aim to design a retirement plan that helps you create an income you won’t outlive—one that maximizes the value of your assets and preserves a legacy.

Social Security Maximization

Choosing when and how to draw Social Security can be a tough decision. A number of factors including marriage status, can impact your options. We can help you navigate the possibilities, so you get the most from your hard-earned benefits.

401(k) Rollovers

Have you changed jobs, but still have 401(k) assets with a previous employer because you just don’t know what to do with them? Let us help you roll those assets over, avoid triggering any negative tax consequences, and discuss the best place to invest those assets going forward. Why continue to limit yourself to just a handful of fund options, when you can roll those funds over and choose from a wide assortment of stocks, bonds and mutual funds……call us today at (276) 598-4789 today to learn more.

Securities

Whether you need help with individual stocks, bonds, or mutual funds, we can help provide you with a good understanding of each to support your decision. Remember, past performance is not a guarantee of future results; however, it can indeed tell us a great deal about how well a particular company is run or a mutual fund is managed. Experience matters….as does your risk appetite. Let us help you understand the risk versus the potential reward, and figure out what makes the most sense based on your individual needs and goals.

Insurance

People often talk about insurance as “protection,” but it’s really a form of risk mitigation. It ensures that, no matter what twists and turns come with life, clients have a safety net in place. Whether it’s life, long-term care, disability, or a vast variety of different annuities, insurance can provide resources when most needed.

Legacy Planning

Legacy planning can be an emotional and complex series of decisions. If you want to leave your assets to heirs, a charity, or want to develop a business succession plan, we can help design a strategy to accomplish this goal.

Tax Strategies

Taxes will always be a part of life, but we can review your assets and see if strategies to reduce taxes might apply in your situation. Every dollar saved today can work for you in retirement.

Workplace Benefits and Pension Maximization

It can be difficult to know how your benefits and pension will align with your other assets and Social Security in retirement. It’s important to review what’s in place and see if all income streams will work together to support your goals. We also help business owners with various strategies for employee benefit options.