Areas of Expertise
Here are my areas of expertise, which I will use to provide you with
customized recommendations that will help you plan for your financial future.
- Financial Planning
Long-term financial success doesn't happen by chance. Each area of your financial life can have an impact—positive or negative—on your other goals. Understanding these interrelationships is important as you deal with ongoing economic issues. Financial planning is a life-long process that assists you and your family in taking control of your financial future. By setting financial goals, developing strategies, and monitoring the progress on a regular basis, the likelihood of achieving your results is greatly increased.
- Investment and Advisory Services
Effective wealth management requires extensive knowledge about the vast array of investment products and services available in today's market. I can help you implement an investment strategy suited to your needs and build an investment portfolio that complements your other financial commitments.
- Business Planning
No business can be successful without a long-range plan. Business owners have special needs. I can help you anticipate those needs and help you develop a plan that will accomplish your specific financial objectives, including Business Succession, Business Continuation, Executive Benefits and Compensation, Employee Benefits, Risk Management and Personal Planning.
- Personal Needs Analysis
Financial security is often a major objective in each of our lives. How financial security is defined varies from family to family and individual to individual. Through a personal needs analysis, I will let you know where you stand relative to where you want to be, and provide you with specific solutions that can help make your goals a reality.
- Business Needs Analysis
Business owners have special needs. I can help you anticipate those needs--whether they are executive bonus plans to attract and retain key executives, or insurance to protect you and your partners in the event of death or disability. I will work in cooperation with a team of specialists, including your own advisors, to help you develop a strategy that will accomplish your specific financial objectives.
- Retirement Solutions
Longer life expectancies and early retirements make sound insurance and investment choices essential. I will help you prepare to enter your retirement years.
With an increasing number of choices and ever-changing tax laws, the Network offers me access to financial advisors and specialists I can call upon for recommendations and assistance. Pension plans, 401(k) and 403(b) plans, IRAs, Roth IRAs, mutual funds and annuities, as well as variable and portfolio-based life insurance are just some of the alternatives available to you.
- Charitable Giving
A charitable giving program benefits both donors and charities. Donors gain tax advantages and the satisfaction of knowing that their act of generosity will have a significant impact. Let me work with you to quantify what portion of your assets is available for charitable causes after taking into account your needs and your family's needs.
Before you agree to receive financial planning services,
please see complete information and disclosures in the NMIS Financial Planning
Brochure (also called the ADV brochure) and review the terms of the NMIS Planning
Engagement Agreement. These may be obtained from your Financial Advisor.
- Asset & Income Protection
Assets that take years to accumulate can be consumed in a fraction of the time after a breadwinner dies or when an individual requires specialized care on an extended basis. Life insurance policies are designed with different needs in mind. Whether you are looking for temporary protection, lifelong protection, an efficient transfer of assets through your estate, or cash value accumulation, my expertise in personal life insurance can help you protect what's important to you, secure your future and improve your life.
- Executive Benefits
Your business may well depend on the critical contributions of a few executives. Executive benefit products are designed to retain key employees using innovative funding solutions. Because I specialize in executive benefits, you can trust that you'll receive world-class, customized solutions for your business situation.
- Long-Term Care Insurance
Offered through Northwestern Long Term Care Insurance Company
Long-Term Care insurance provides benefits in the event of a long-term illness or injury. Owning a long-term care insurance policy also provides you choices in deciding where or how you receive care. Let me help you prepare for this situation with long-term care insurance.
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