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:
- Disability or illness
- 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.
