Our Services

 

While developing a customized individual or business financial plan, we walk you through a step-by-step process that can help make you feel confident in your decisions.

Once your financial and life goals have been established, we will customize appropriate strategies to help you pursue your vision and objectives.  You can examine part of our financial needs process by accessing our website page titled Addressing Your Financial Planning Needs and for  designing business and employee benefit needs by accessing the web page titled Employee Benefits Division.  We can help execute a personalized financial program utilizing our products and services some of which are listed below.

  • Formal Comprehensive Financial Plan - Having a financial plan with your identifying your personalized set of needs is a first step in setting realistic goals.  We will help to make it easier for you to pursue your goals by ensuring you have a formal written plan identifying those goals, and then a process which measures the progress toward achieving them.
  • Retirement Planning - We will work with you to make the most of your employer-sponsored retirement plan and IRAs in order to identify how much you may need to retire comfortably.  Having a plan for managing your assets before and during retirement is an integral part of retirement planning.
  • Estate Planning - Together, we will review the wording of your Wills, Powers of Attorney, and Trusts.  We help to preserve your estate for your spouse and your intended heirs by helping with proper asset titling, beneficiary designations and reducing exposure to estate taxes and probate costs.  We coordinate your estate planning along with your Attorney and CPA.
  • Investment-Asset Management - For our in-house fee-based money management platform, we have incorporated a more tactical approach to asset allocation.  On our platform, we have rules for investing in the different market sectors as well as utilizing "stops" to protect assets in a more defensive management style. 
  • Tax Management - We look for ways to help reduce your current and future tax burden by designing plans which may minimize taxes and create saving opportunities.
  • Education Funding - We recommend investment accumulation strategies and other programs to help you fund your child(ren)'s education.
  • Risk Management - We utilize risk management strategies such as Life Insurance, Disability Income, and Long-term Care.  We help protect and ensure financial goals are accomplished by insuring life events beyond one's control.  By utilizing various insurance companies from the market place, we believe we  represent our client's best interest by having various contracts to fund the finanical need in a economical way.
  • Employee and Executive Benefits - With the ever-increasing costs of funding employee benefits and the employer's need for attracting and retaining qualified employees, our firm helps design quality programs with a sensitivity to cost-effective ways of funding those important employee benefit needs.
  • Business Planning - We help our business clients establish economical ways of funding their business continuation needs.  From designing tax-efficient methods of funding business buy-outs to protecting a business from the loss of a key employee, we seek to be an advocate for our business owners in providing a formalized plan for business continuation.

Neither Lincoln Financial, nor its registered representatives or employees, provide tax or legal advice. As with all matters of a tax or legal nature, you should consult with your tax or legal counsel for advice