I don't believe in boiler plate, index, set and forget portfolios. As a Financial Advisor who follows fiduciary standards I will work with you to identify your goals, establish your time horizon and determine your risk tolerance. Based on these key pieces of input, I can create customized wealth management strategies to help you pursue your objectives. Through diligent research I proactively manage and monitor your investments, building diversified and balanced portfolios designed to provide you with confidence through the ups and downs of market cycles.
I work with individuals and business owners to determine the most advantageous and appropriate type of retirement plan. These include:
- SEP IRA
- SIMPLE IRA
- Individual 401(k)
- Small Business 401(k)
- Rollover IRA
529 Plans offer tax advantaged and tax efficient ways to invest for the future cost of higher education expenses. Each State sponsors a 529 plan through various investment service providers. I can help work through the many available plans and advise which plan addresses the needs of the client. I can help determine the monthly or annual input necessary to pursue client's higher education funding goals.
*Prior to investing in a 529 Plan investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are Federally tax free. Tax treatment at the state level may vary. Please consult your tax advisor before investing. Investors should carefully consider the investment objectives, risks, charges and expenses associated with the mutual fund securities before investing. The issuer's official statement contains this and other information about the investment. You can obtain an official statement from your financial representative. Please read carefully before investing
Retirement Income Strategies
"What if we run out of money"?
This is the biggest fear of people embarking on the long vacation known as retirement. I work with my retired clients to develop income plans that address their needs while managing the risks all retired people face - inflation, longevity, market risk and outliving retirement saving.
Insurance and Estate Planning
Insurance products mitigate the risk of living too long, dying too soon, becoming disabled and long term care expenses that can consume accumulated wealth. As in independent advisor licensed in Life, Health and Long Term Care insurance I can make appropriate recommendations utilizing a number of high quality insurance products and providers. I also work to make sure such plans dovetail with wills, trusts and other estate planning tools.
*Podium Financial Services and LPL Financial do not provide legal advice or services. Please consult your legal advisor regarding your specific situation