Our down-to-earth,  client centered style makes it easy for you to discuss sensitive and personal financial issues.

We do not sell products and we do not work on commission.    Our clients get our total allegiance and objective advice.   As a result, we are a trusted resource for clients facing with significant life events.

 

Investment Review

We follow a disciplined, objective methodology in evaluating your portfolio.  This is done through Main Street Financial, a registered investment advisor which operates on a fee-only basis.  “Fee-only” means that we accept no commissions and we do not sell investment products.    We work for you –  not for some brokerage house, insurance company or bank.

Retirement planning

Longer life expectancies and higher living standards require that more be set aside for our retirement years.   Social security and company pension plans can no longer be relied upon to provide a comfortable retirement.  Your retirement is mostly your own responsibility.

Changing tax rules have given us more opportunities and more choices in how to save.  We can help you sort through those choices.  We will analyze your projected needs, your available sources of income and your existing investment plan, and make suggestions as to how much and how you should be investing.

If you participate in a 401(k), 403(b) or 457 plan, we can help you choose appropriate investments within your plan.  If you are self-employed, we will show you how to set up your own retirement plan.

If you are near retirement, we can advise you on distributions, rollovers, beneficiaries, etc.

Estate planning

We understand that this is everyone’s least favorite area but we can help you address the important issues.  If appropriate, we will suggest planning ideas to save taxes and preserve more of your assets for your heirs.

Insurance

Failure to carry sufficient insurance can be financially devastating to a family, but carrying too much can be very expensive.   We do not sell insurance but we can help you decide what types of insurance and how much of it you should carry.

Common Personal & Family Financial Concerns

We help clients through the  financial issues faced by many families such as budgeting for the household, college savings plans, consumer debt management, house affordability and mortgage decisions.

Guidance through Major Life Events

The following events are among the most stressful times people face.    We help clients get through them and come out with a sense of financial security.

  • Divorce    Pre-divorce, we can help you consider the tax and financial consequences of a divorce settlement before you sign.   Post-divorce, we can help you get started on a new independent financial life.
  • Loss of a Spouse or Parent    Ideally clients would have planned for this with insurance and an estate plan but it is not the most pleasant topic and people often procrastinate.   When that happens we are available to help them organize their financial life, make the necessary decisions and help with on-going advice.
  • Loss of a Job    Sometimes it is sudden, sometimes there is some advance notice but whenever it happens, we provide valuable support with issues such as household budgeting, 401(k) rollovers and tax planning.

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