Total Financial Planning


Investors need to rely upon someone who will strive to transform challenges into opportunities.  I utilize up-to-date financial management tools and the seasoned planning skills I developed during 20 years in the industry to help my clients as we work together to work toward meeting their financial goals.  Please call me for a complimentary consultation.


Guarantees are backed by claims-paying ability of the issuing insurance company.  The primary reason to purchase a life insurance product is the death benefit.  Policy loans and withdrawals may create an adverse tax result in the event of a lapse or policy surrender, and will reduce both the cash value and death benefit.  If a policy is over funded and becomes a MEC contract, the contract's earnings will be taxed as ordinary income at withdrawal, and may be subject to a 10% penalty if withdrawn before age 59 1/2.