"Life starts all over again, when it gets crisp in the fall."














Life Happens. Be Prepared.

September is Life Insurance Awareness Month, a campaign coordinated by the nonprofit Life HappensSM in response to growing concern about the number of Americans who lack adequate life insurance protection. According to the 2018 Insurance Barometer Study by Life Happens and the Life Insurance & Market Research Association, 35 percent of households would feel the financial impact withinone month if the primary wage earner died.

So what is the right amount of life insurance? As with many personal finance numbers, that depends on your circumstances, your stage in life and your future plans. Certainly at its most basic, life insurance is intended to offset the financial impact your death may have on the lives of your dependents. That impact may be simply the costs of your final expenses, such as funeral costs, medical bills, taxes, debts and professional fees for attorneys or accountants. Or the impact may be more significant, as in the case of a stay-at-home parent and his or her children, who depend solely on a spouse’s income for all of their day-to-day needs.

Life insurance can factor into more complex financial needs, such as leaving a legacy to your children or favorite charities. It can be important for a small business owner, providing the funds for the heirs to purchase the business or replace the business income if they must close or sell it. If you have a large estate, life insurance can provide funds to pay for estate taxes that would otherwise limit your legacy.

Over your lifetime, your life insurance needs will change. At certain times, you may need to increase or decrease your life insurance coverage. While on its surface life insurance may seem to be a one-time decision – you buy it, have the premium deducted from your bank account and never think about it again – it can be a dynamic part of your financial picture.

If you or a loved one needs help in evaluating your life insurance needs, including whether your current coverage is appropriate, please contact our office. We will gladly work with your existing insurance agent, handle your insurance needs at our office or recommend an agent to work with you.


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Have you been putting off Estate Planning

because you aren't sure what to do??



What is Riskalyze???















Riskalyze is cutting edge technology that identifies your acceptable levels of risk and reward with unparalleled accuracy. Using this tool, we ensure that your portfolio aligns with your investment goals and expectations.


Click here to get your number:

(We will be in touch to explain how this number will impact your investments.)
It only takes 3 simple steps:

1.  Capture Your Risk Number

The first step is to answer a 5-minute questionnaire that covers topics such as portfolio size, top financial goals, and what you’re willing to risk for potential gains. Then we’ll pinpoint your exact Risk Number to guide our decision-making process.

Then we will review your current investments.

It turns out 4 out of 5 people have more risk in their portfolios than they previously realized. Riskalyze technology empowers us to make sure the Risk Number of your portfolio matches your personal Risk Number.

2.  Align Your Portfolio

After pinpointing your Risk Number, we’ll craft a portfolio that aligns with your personal preferences and priorities, allowing you to feel comfortable with your expected outcomes. The resulting proposed portfolio will include projections for the potential gains and losses we should expect over time.

3.  Meet Your Retirement Goals

We will also review your progress toward your financial goals by building a Retirement Map. When we are finished, you’ll fully understand what we can do to increase the probability of success.








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 Could you run out of money???

Do you know if you have enough money to retire?

Do you have enough retirement assets to last your lifetime?

Do you already have an income distribution plan?

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