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How We Work - Financial Planning

We use a proven system to analyze and evaluate existing plans and assets. We introduce clients to the Circle of Wealth philosophy, a counterintuitive approach to wealth accumulation and preservation illustrated using the Personal Economic Model.

As Financial Planners, we evaluate, help shape and quantify, short, intermediate and long-term goals, ever mindful of the perils that can prevent or retard their success.  Areas at risk of greatest loss include college funding, home financing, qualified plans, major purchases, medical expenses, and retirement along with the disposal of or exit from a client’s business.   

We offer personalized, hands-on service. We educate our clients about financial concepts and products to take the mystery out of investing, insurance, estate conservation, and preserving wealth.

Our firm specializes in helping individuals develop sound wealth management strategies. We have found an educated client is a confident investor and a secure retiree. We find it is more valuable to avoid losing positions than to chase high-return, high-risk investments.

If you are concerned about retirement – or already retired – please explore our website and the wealth of information we offer. We understand the many challenges of a secure retirement today and know the biggest concern for many is outliving their money. We focus on money placement, as well as other issues critical to our clients’ financial well-being.

We are fiduciaries.  The needs and interests of our clients are our principal objective.  We sit on the same side of the table as our clients in weighing and adopting strategies to achieve client objectives.   

We do not work alone. Once a Plan is approved, successful implementation will usually involve other professionals to prepare documents or to provide “clubs.” After implementation, periodic reviews will be scheduled for review or to make any necessary adjustments.




Deferred IRAs

Roth IRA

Government Securities

Mutual Funds

Exchange Traded Funds

Real Estate


Financial Planning

Retirement Planning

Social Security Elections

Tax Planning

401(k), 403(b) Plans

College Funding

Trust & Estate Planning


Disability Income Insurance

Health Insurance

Life Insurance

Long-Term-Care Insurance

Casualty Insurance