Specializing in Retirement Planning for Individuals, Small Businesses, and small non-profits

 

Financial Planning Wealth Management System
 Need a Financial Advocate For Small Business Owners 
 

 "Destiny is not a matter of chance, it is a matter of choice; it is not to be waited for, it is a thing to be achieved." - William Jennings Bryan    

Simply stated, our mission is to help our clients- create the Destiny of their dreams.  In today's volatile financial environment accomplishing that mission is more challenging than ever before.  That is why we are constantly looking for suitable investment options for our clients every day, so that the choices they make will help have a positive impact on their future.  If you do not have a recovery plan developed, please fell free to contact us about developing one for you.

The foundation of our business is the relationship we have with our clients.  Over time, many of our relationships go from not only being a trusted advisor, but to also being life long friends as well.

We are an independent agency and work hard to constantly provide our clients with a wide array of quality products and quality service.
Calculators

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Roth IRA Conversion

This calculator can help you determine whether you should consider converting to a Roth IRA.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

Retirement Portfolio Lifespan

How Long Will Your Funds Last?

More Calculators →

Newsletters

Investing in the Future

Due to the fiscal struggles of state governments, in-state tuition and fees at public four-year colleges and universities rose dramatically for the 2011-12 school year. The cost of private institutions also continues to increase. This article presents information on the cost of a college education and how a 529 plan may be a helpful savings vehicle.

The Financial State of the States

Many state and local governments have struggled with lower tax receipts and large budget deficits — during and after the recession. This article offers a closer look at the financial pressures facing the states and how the methods used to address budget shortfalls could ultimately serve as a drag on the national economy.

Rethinking the Role of Household Debt

Many people aspire to pay off their home mortgages before retirement, but the housing situation and a weak economy have taken a toll on the finances of many older Americans. There are some compelling reasons why pre-retirees might want to consider maximizing their retirement plan contributions and avoid carrying large amounts of debt into retirement.

Leaving Your Home Out of the Retirement Equation

Plummeting home prices and increased borrowing cut U.S. home equity by more than 60% during the Great Recession — and housing prices have not yet recovered. This article considers the potential drawbacks of depending on home equity to help fund retirement.

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