Disclaimers

It is a fact that less than 5% of all people have goals; less than 1% have written goals. A study was done in 1953 of the graduating class of Yale University. It was found that only 3% had written their goals and had written plans on how they were going to achieve their goals. In 1973, the surviving members of the class were interviewed again. It was found that the 3% who had written their goals were worth more than the remaining 97%. Financial Planning is the evaluation, establishment and implementation of specific financial goals. It is absolutely imperative to have written financial and retirement goals which are reviewed and monitored on an ongoing basis. The successful achievement of retirement goals is directly related to the number of productive, working years left to retirement. This is more often called the magic of compounding. The younger you are when you begin the financial planning process the more likely you are to comfortably realize your goals. Financial planning is an ongoing process. Your financial profile is your lifestyle, risk tolerance, responsibilities, and all financial resources. From this profile your goals and objectives are created. Your goals and objectives are your hopes and dreams for the future. Ineffective financial planning could result in the hardship of a lower monthly income to live on during retirement, higher income tax burdens and fewer resources to pass on to heirs. "If I had six hours to chop down a tree, I would spend the first four hours sharpening the axe." ... Abraham Lincoln Our commitment is the design and implementation of a specific financial plan, which will help you to secure a strong financial future. We will guide you in the creation, accumulation, and preservation of assets for both pre-retirement and post-retirement needs.