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Our Services

Investment planning

  • Identifying capital, contribution and income requirements to meet goals
  • Building cash reserves
  • Educating on alternatives pros/cons
  • Asset allocation: spread risk among asset classes whose risks
  • tend to offset each other. Asset allocation will not guarantee a profit or protect you from loss however, it may provide a hedge against risk and create opportunities in both bull and bear markets.

Risk management planning

  • Helping clients with game plan for:
    1. Disability or illness
    2. Premature death
  • Reviewing current insurance

Retirement planning

  • Dealing with lump sum distributions
  • Projecting early or late retirement
  • Income generating strategies
  • Minimizing tax liabilities*

Estate Planning*

  • Protecting privacy
  • Preserving family wealth
  • Charitable giving

Investment Products

  • Money markets
  • Treasury bills, notes and bonds
  • Stocks
  • Bonds (taxable and tax-advantaged)
  • Mutual funds
  • REITS (real estate investment trusts)
  • Annuities (fixed and variable)
  • IRAs, SEPs
  • TSAs
  • 529 plans

Insurance Products

  • Individual (term, fixed/variable, universal)
  • Long term care
  • Private pension
  • Key person insurance

Business Products and Services

  • Qualified plans: 403(b), 401(k), profit sharing
  • Pension planning
  • Deferred compensation strategies

Services are offered through Cetera Investment Services LLC

* Consult your legal or tax counsel for advice and information concerning your particular circumstances. Neither Cetera Investment Services, nor any of its representatives may give legal or tax advice.


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