Personal Planning

If you are looking to complete or update a comprehensive financial and/or estate plan or, perhaps, focus on a particular area of concern, we can work with you to create and implement a plan designed to meet your short-term goals as well as attain your lifetime wealth and legacy objectives. Contact us today to schedule a complimentary initial meeting to learn how our personal financial planning services can help you more effectively and efficiently achieve your goals and objectives.  

We advise successful individuals and families in the following areas:

Retirement Planning...
The amount of capital it will require to provide you a comfortable retirement depends upon a number of variables, including the age you plan to retire, your desired retirement lifestyle, how long you expect to live, and the rate of return you expect to earn on your investments. Social Security, and if applicable, an employer-sponsored pension plan will likely provide a much smaller percentage of your retirement income than they have provided for those who have retired before you. We can help you account for these variables and ensure you maximize your net retirement income; working with you to implement an optimal retirement plan that may include the following:

  • Clarifying and prioritizing retirement goals and objectives
  • Investing while balancing risk, tax efficiency and ROI
  • Optimizing contributions to qualified retirement plans or IRAs
  • Social security maximization
  • Cash value life insurance
  • Guaranteed lifetime income
  • Real estate property
  • Liquidating non-cash assets


Portfolio Management...
We recognize that every investor is unique and our investment advisory services provide you with professional advice while ensuring you get a personalized investment strategy. Whether you're seeking a tailored, professionally managed portfolio or the convenience and simplicity of a diversified mutual fund and/or exchange-traded fund program, we can help ensure your investment strategy is geared towards meeting your financial goals.  

Our portfolio management services offer the same benefits as those had by institutional investors:

  • Access to top-tier investment management professionals
  • Tailored portfolios to meet specific investment objectives
  • Ownership of individual securities; allowing for significant flexibility in controlling tax exposure
  • Ease of pre-designed mutual fund and/or exchange-traded fund portfolios

We will ensure your investment plan considers current and future growth objectives, income needs, time horizon and risk tolerance. This process involves, but is not limited to, the following stages:

  • Set investment objectives
  • Develop an asset allocation strategy
  • Evaluate and select investment managers and/or individual securities
  • Ongoing management and monitoring

Estate and Legacy Planning...
What you value may be more important than what you own. To follow through on your commitments to yourself, your family and your ideals, you need to plan today. A personalized estate plan is important in helping to protect your family and your legacy. We can work with you to implement a financial plan that helps address your estate planning objectives that may include the following:

  • Protecting your assets
  • Transferring wealth from one generation to the next
  • Providing for estate equalization
  • Promoting family harmony
  • Minimizing income and estate taxes
  • Designing philanthropic and gifting strategies
  • Aligning existing portfolio and retirement accounts with your estate plan


Risk Management...
Life seldom goes according to schedule. A sound financial plan must address insurance solutions that you, your spouse, family members or business may require to deal with life’s unplanned moments. We can help you implement the following solutions:

  • Life insurance is essential to the financial security of families and businesses. It may allow surviving family members to maintain their lifestyle, pay off outstanding debt(s), leverage charitable gifts, or provide business liquidity. It can also be used to cover estate taxes and probate fees to enable your estate to be distributed in the most appropriate manner. With cash value life insurance, the tax-deferred cash value accumulation may be accessed tax-free to provide for education costs, supplement your retirement income, provide capital for business acquisition(s), or any other important objective that may arise in the future.
  • Disability income insurance is vital in partially replacing income of a person who is unable to work because of sickness or accident. In terms of its financial effect on the family, a long term disability can be just as severe as death. Disability income protection can come from several sources: social insurance programs, employer provided benefits, and individually purchased policies.  
  • Long term care insurance: Going through life may require a little help along the way. So if you are planning ahead, long term care insurance may help protect you or a family member's future plans and help preserve the assets you have worked so hard to build.
  • Health insurance is a changing environment. We coordinate with the top carriers for business and individual plans.

Education Funding...
Education planning for your children or grandchilren can be a major financial consideration. Planning early minimizes your savings requirement by allowing you to take advantage of the time value of money. We can help you prioritize your education objectives with other current income needs like major purchases, insurance, and retirement:

  • Ensure expenses are properly planned, including tuition, room and board, and living expenses. Factor in an inflation rate for the rising cost of tuition. Consider planning for post-graduate studies. Account for potential scholarships and financial aid.
  • Consider various education funding accounts: Qualified State Tuition Plans (also known as 529 Plans1), Uniform Transfers to Minor Act (UTMA) / Uniform Gifts to Minor Act (UGMA) accounts, Coverdell Educational savings accounts and prepaid tuition plans
  • Develop an effective savings strategy that considers asset allocation and takes advantage of education plans.


1 Securities offered through NYLIFE Securities LLC (member FINRA/SIPC)