Products & Services We provide assistance in the following areas:InvestmentsBondsCommon StockEducational IRATraditional IRARoth IRASEP IRASimple IRABrokerage AccountsCertificates of DepositsGovernment SecuritiesTreasury NotesVariable AnnuitiesFixed Annuities Index AnnuitiesFinancial Planning 8 Wealth Management Issues Each of these issues have a tax consequence. Working with us will help you understand the consequences and plan accordingly.Investment ManagementLet us help you understand and manage three risks you face as an investor:Improper allocation (not having money invested in the right pieces of the pie)Regular rebalancing to ensure proper allocationOver concentration (owning too much of the same thing)Family Risk ManagementInsurance planning. Regular reviews of your current coverage helps identify gaps or new risk.Cash Flow & Debt ManagementWe can help you formulate a reasonable plan to reduce debt and manage cash flow to help reach your financial and life goals.Retirement PlanningThe best chance of building and protecting your financial future comes from defining your vision and expectations of retirement. We develop a proper plan to turn your goal into reality.Education PlanningWe can recommend various options to help fund education for your children, grandchildren, other family members or even yourself.Business PlanningOur menu of business services includes: financial statements, payroll, review and implementation of budget cash flow, hiring compensations, introductions to local resources (bankers, attorneys, property and liability insurance providers, realtors), even negotiation of work contracts. The main goal of business planning is to help you maximize benefits and minimize liabilities. Legacy PlanningBe sure to have current estate documents in place, including a will, a health care directive and a durable power of attorney. We can work with you through this.Special PlanningThe right financial plan lets you face any financial challenge with confidence. Caring for an ill parent, paying unexpected medical expenses, remodeling your home or purchasing a new car. We help you plan for life's unplanned events.Tax Planning & Accounting General ServicesWe are here to provide you with financial information in a timely and accurate manner. Meaningful, well-organized financial records ensure that you have important information to make decisions for your business.General ledger and financial statement preparationBookkeeping (Monthly/Quarterly/Annually)Accounting system setup for new businessesBusiness tax return preparationIndividual tax return preparationPayrollWe assist you in implementing the controls necessary to ensure a reliable, efficient, and effective payroll system. We prepare all necessary payroll checks, payroll tax reporting and returns in a timely manner.Tax Planning and PreparationTax planning and preparation allows our team to maximize your success individually and as a business owner. Our experienced staff will develop tax strategies that take advantage of new tax laws and legislation.IRS RepresentationDuring our years of experience we have achieved a level of competence that can ensure clients they are being properly represented before the various tax agencies.Estate Planning and Estate & Trust Tax PreparationEffective estate planning facilitates the orderly transfer of assets to your beneficiaries, provides security for your surviving spouse, and can reduce or eliminate the tax due on the transfer of your business and other assets.Asset allocation does not assure or guarantee better performance and cannot eliminate the risk of investment losses.