Frequently Asked Questions

Diversification and asset allocation strategies do not assure profit or protect against loss. Investing involves risk. Depending on the types of investments, there may be varying degrees of risk. Investors should be prepared to bear loss, including total loss of principal.


Q: As a business owner, I know there are things I need to do if something happens to my partners or myself. Can you help me with this?

A: Yes! We have experts that specialize in helping businesses set in place the important issues to avoid those things that can severely damage your company in the event of an unforeseen incident. We work hard on this so you can concentrate on your business.

Q: Can your company offer my business and employees various benefits so we don’t have to call several different people?

A: Yes! Our business is structured in a way that you can call us for all of your benefit programs; we have experts in group insurance, retirement plans, executive benefits and other areas as well.

Q: How can I get better service for my company’s retirement plan without changing everything and upsetting my employees?

A: As a business owner or retirement plan director, very often you can keep your current plan in place and just change the servicing agent or company. We are very familiar with this procedure and can help you with this process.


Q: How do I know what to save for retirement, when I don’t know if I am going to get Social Security?

A: When we look at your retirement goals, we can make projections on your income with and without Social Security benefits. You will then be able to start or continue your savings plan accordingly.

Q: How much money will I need for my child’s college education?

A: We will, after careful review of your financial situation and your goals, develop a strategy to save for this essential part of your child’s life.

Q: I don’t like the idea of you being paid commissions. Is there another choice?

A: Yes! Our business is designed to do what’s in your best interest and what you feel comfortable with. We can work on a fee basis, commission basis or a combination of both.

Q: I have accumulated a fair amount of assets over the years. Can you help me protect things so my heirs aren’t burdened with estate and tax problems?

A: Yes! There are many issues that need to be examined to avoid major problems with your estate. We can develop a plan for you and your heirs to make an uncomfortable situation much easier to deal with.

Q: If I buy stocks, how can you help me protect myself?

A: Although we can’t offer any guarantees, we use a strategy of different types of “orders” with your stocks to attempt to limit your losses as well as protect your profit as your stocks increase in value.

Q: Will you help me develop a plan and goals even if I decide to implement them on my own?

A: Yes! Our business is structured so that we can do the planning, the implementation, or both. Just give us a call.

Personal and Business

Q: Am I limited to certain products if I utilize your services?

A: No! We are not locked into providing you a limited number of products to achieve your goals. We have thousands of choices available to you, so our recommendations our based on what’s best for you!