Our Services

Financial Planning: The Key to Getting What You Want

There’s no mystery to financial planning. Your goals, your dreams, your life – are the starting point for the right financial plan. A financial plan can be as simple – or as complex – as your personal situation requires.

The first step is to take a close look at your goals and decide which ones are the most important to you. That’s the easy part. Trying to figure out how to achieve them can be a daunting task. The right financial plan can serve as a roadmap, showing your current position and suggesting the various routes that you can take to reach your destination.

With planning, you have a far greater chance of achieving your goals than if you don't plan. The right financial plan may help you to:

  • Minimize taxes
  • Save for retirement
  • Decide how to invest
  • Provide proper insurance coverage
  • Custom-design programs to try to achieve your special goals… buying a home or condo, retiring early, financing your child’s education and more.

Whether you're hoping to purchase your first home, send your children to college, or enjoy your retirement, it’s always the right time to plan for the future.

Risk Management: Protecting What's Important to You

If you lost your job, or became disabled or needed long term care, how would you pay your bills? If something were to happen to you, would your spouse be able to remain in your home? Would your children be able to afford college?

Under extraordinary circumstances, the best of intentions can be swept away. A financial planner can analyze your situation and help you find ways to protect your income and assets at every stage of your life. Your planner can help ensure that you and your loved ones can keep doing what you originally planned, no matter what surprises life has in store.

Wealth Accumulation and Retirement Planning

Are you getting a return on your investments consistent with the risk you've assumed? Do you understand the different options that best suit your individual circumstances? A financial planner can help you review the various options available to you and suggest ways to get results. The goal is to help you maximize the return on your investments, taking into consideration your situation and your personal tolerance for risk.

Through periodic reviews, your planner can help to make sure that your investment plan reflects the changes inevitable at every stage of your life.

Estate Planning: So You Can Decide*

Are you sure that your money will be used the way you want and go to the people you want it to after gone? If you become incapable of managing your affairs while alive, will your finances continue to be managed effectively? Proper estate planning with a financial planner and your estate planning attorney can help you to anticipate your future needs and pass on more of your wealth to your family and charities than to Uncle Sam. It can take into consideration the special concerns of young families with minor children, families who have members with special needs, business owners who need to address succession planning, or grandparents who'd like to help their grandchildren go to college. With a financial plan in place, you can pass on a legacy, not a tax burden, to your heirs.

Business Products and Services: Have Your Business Work for You

  • Retirement Plans
  • Group Benefits
  • Executive Benefits
  • Business Continuation

Special Skills for Physicians, Clergy and Business Owners

Through experience and education, I have developed three specialties in my practice.

  • As a member of my firm's Medical Team, I understand and support the unique opportunities, needs and challenges faced by physicians. We also provide educational seminars to resident physicians at area hospitals.
  • As a Clergy Compensation Associate, I am part of a national team of specially trained advisors that help clergy and governing boards to structure compensation and benefits packages that accomplish their desired objective.
  • As a resource to business owners, I leverage my advanced training and experience to address the challenges and opportunities entrepreneurs face -- from their perspective. I provide business owners with options for enjoying the fruit of their labor now without  neglecting to prepare for eventual succession.

An Answer to an Important Question: Independence

New clients often ask, "Are your solutions, services and products limited to Massachusetts Mutual Life Insurance Compnay (MassMutual) brands?" The answer is no. While MassMutual offers some of the best financial products across many categories, we have the freedom and the responsibility to put our clients interests first.

For this reason, MassMutual has partnered with scores of providers to give us access to a wide selection of the best investment and insurance services and products available in the marketplace.

Before we recommend solutions, you can be assured that we have already evaluated and compared options for the best fit and value for your particular situation.

Working With Attorneys, Accountants and Other Professionals

Is your attorney aware of the tax recommendations you've received from your accountant? Does your stockbroker know what your lawyer has advised regarding your estate plan?

One of the most important things your planner can do is act as a coordinator – a sort of financial quarter-back – for your other important advisors. We know the questions to ask. We can often provide information to help them work together more efficiently. While we can't provide you with legal or accounting advice, by working with your attorneys and accountants, we will not only save you time, but may save you money as well.


"The professional learns how to diagnose -- how to understand. He also learns how to relate people's needs to his products and services. And, he has the integrity to say, 'My products or service will not meet that need' if it will not." --Stephen Covey from The 7 Habits of Highly Effective People


* Estate Planning services are provided working in conjunction with your Estate Planning Attorney, Tax Attorney and/or CPA.  Consult them for specific advice on legal and tax matters.