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Financial Planning

Client Centered

I have the knowledge, credentials, and resources to help you take a comprehensive view of your finances and plan a holistic approach to managing them to best meet your long-term goals. Financial planning is an ongoing process designed to provide timely advice as your life changes and evolves.

It's a simple 6-step process that involves several meetings:

Step 1: Our initial meeting is for me to understand your goals and objectives.

Step 2: The next meeting is about gathering as much data as possible to develop your personal plan.

Step 3: We sit down to analyze your current financial situation based on the data you provided. From there we'll develop a comprehensive and holistic solution.

Step 4: We'll review this plan together and discuss recommended strategies.

Step 5: Plan implementation*. We'll also further discuss potential products and recommendations that could help you attain your goals and objectives.

Step 6: Always monitoring your plan and making updates based upon changes to your goals, objectives, and life changes.

This is an ongoing financial planning relationship that I believe will enhance your financial wellness over time. We'll get your financial life organized and in order with every-day expenses and a healthy household cash flow. We'll also look long-term with investments, insurance, tax considerations and more.

*Financial plan recommendations can be implemented with the advisor of your choosing. Implementation of specific products or services may result in commissions or fees outside of the financial planning fee.

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The Six Areas of Financial Planning

Financial Position

Cash Flow

Cash flow analysis


Debt Management

Current debt analysis

Debt restructuring

Mortgage options

Debt reduction strategies

Credit score management

Financing options

Loan vs. lease

Emergency Fund

Structure and funding

Large Expenses

Education funding

Major purchase funding strategies

Retirement Planning

Accumulation Phase

Retirement goal setting

Retirement income projections

Employer sponsored retirement plans

IRAs and Roth IRAs

Fixed and variable annuities

Saving strategies

Distribution Phase

Income distributions strategies

Social Security optimization


Required minimum distributions

Pension options

Income annuities

Estate Planning


Beneficiary designations

Powers of attorney

Health care proxies

Living wills


Guardianship for minors

Special needs planning

Business succession planning

Charitable giving

Legacy planning

Gifting strategies

Federal and state estate taxes

Protection Planning

Life insurance

Disability income

Long-term care insurance

Health insurance*

Homeowner’s and renter’s insurance*

Automobile insurance*

Excess liability coverage**

Group coverage

Investment Planning

Portfolio analysis

Asset allocation

Security selection

Cost and fees

Concentrated stock positions

Stock options and restricted stock

Non-qualified deferred compensation

Tax Planning

Deductions and credits

Tax efficient investing

Asset location

Ownership structures

Cost basis analysis

Tax loss harvesting

Carry forward losses

Health savings and flexible savings accounts

Liquidation strategies

Roth IRA conversions and re-characterizations

*Health insurance products offered by unaffiliated insurers.

**Property & Casualty insurance is offered through a variety of insurance companies that are not affiliated with MassMutual or MML Investors Services, LLC.