We offer Individuals and Small Businesses Comprehensive Financial Planning. Our clients are comprised of both individuals and small businesses that are looking to have a written financial plan to help them achieve their short term and long term personal and financial goals. Risk Management ~ Life and health insurance based on individual requirements. Wealth Accumulation ~ Preserve principal and grow assets through balanced investing, according to individual needs and personal risk tolerance. Debt Management ~ Control and management of non-deductible and deductible debt. Estate Planning ~ Define and implement strategies that reduce or eliminate estate distribution expenses and taxes without compromising personal objectives. Efficient Tax Strategies ~ Working with clients and accountants to structure assets, debt and other investments to avoid, reduce, and defer taxes. Develop Financial Plans ~ Build a Comprehensive Financial Plan that creates a financial roadmap for people to make informed decisions about their current situation and future goals.