Investment Management
  • Primarily fee based asset management
  • Investment vehicles favored – open and closed end mutual funds, annuities, Exchange Traded Funds (ETFs), Business Development Companies (BDCs)
  • Tactical asset allocation through active management
  • Risk mitigation strategies through careful selection of alternative investments
Retirement Income Strategies

  • Strategies to sustain lifetime income
  • Strategies to delay and subsequently maximize social security benefits by bolstering current income
  • Pension maximization from government-sponsored retirement plans
  • Benefits of Roth IRA conversions and strategies to offset income taxes
  • Generation planning and asset preservation for IRAs - "Stretch" IRAs
  • Effective and seamless 401(k) plans through platforms that provide high transparency, low expenses, fiduciary protection and a multitude of highly rated investment options 

Tax Reduction Strategies
  • Benefits of tax deferred and tax free investments
  • Other tax preferred investments
  • Charitable trusts, pooled income funds and donor advised funds
  • Gifting strategies that provide tax benefits
Estate Planning
  • Methods to minimize estate and income taxes during life and due upon death
  • Benefits of various forms of trusts
  • Essential role of beneficiary designations
  • Benefits of Life Insurance
Elder Care and Estate Planning
  • Asset protection strategies
  • Long term care insurance options
  • Benefits of converting assets to income
  • Benefits of life Insurance
College Education Planning
  • Benefits of 529 plans
  • Coverdell Education Savings Accounts (ESAs)
  • College Aid Strategies
  • Life insurance - personal, business (keyman, buy/sell, executive bonus, split dollar)
  • Long Term Care - annual and accelerated payment plans, one time lump sum combination plans (long term care and life insurance)
  • Long term disability insurance - personal, business (salary continuation plans, group disability)
  • Medical insurance - group medical
  • Annuities - variable, fixed, equity indexed, immediate annuities

Important Information About Your Advisor.

This communication strictly intended for individuals residing in the states of CA, CO, CT, DC, FL, GA, IN, MA, MD, ME, MI, NC, NH, NJ, NY, OR, PA, RI, SC, VA, VT, WI. No offers may be made or accepted from any resident outside these states due to various state regulations and registration requirements regarding investment products and services.
Investments are not FDIC- or NCUA-insured, are not guaranteed by a bank/financial institution, and are subject to risks,
including possible loss of the principal invested.
Securities and advisory services offered through Commonwealth Financial Network®.
Member FINRA, SIPC, a Registered Investment Advisor.
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