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P R O F E S S I O N A L  S E R V I C E S

Through our affiliation with First Allied, we provide a wide-range of diversified financial products. Together, we offer you the objectivity of working with an independent financial consultant combined with the stability and strength to access the world's financial markets and a wealth of investment resources.

F I N A N C I A L  P L A N N I N G

Retirement Planning

Helping you calculate “The Number”, and structuring a plan to help you get there.

Retirement Income Planning

You’ve retired! Now what? Helping create a distribution plan to maximize the paycheck.

Asset Allocation Advice

Helping clients make sure that their investments portfolios coincide with their risk tolerance, built around acceptable risks.

Education Planning

Helping our clients navigate the escalating costs of education.

T A X  E F F I C I E N T  P O R T F O L I O


Helping our clients minimize their tax burden through efficient portfolio management and other complex strategies.

Corporate Retirement Planning

Helping our business owners create plans to make sure that
their businesses are working best for their benefit while helping attract, retain, and incentivize
the best talent.

Concentrated Stock Management

Helping our clients manage the risk of owning large blocks
of a single stock.

Estate Planning

Helping our clients pass on their wealth managing the balance between tax efficiency and control.



An equity investment in a company. Stockholders own a share of the company and are entitled to any dividends and financial participation in company growth.


Encompasses Treasury Bills, Government Securities, and Treasury Notes. A debt instrument under which the issuer promises to pay a specified amount of interest and to repay the principal at maturity. The market value of
a bond will fluctuate with changes in interest rates. As rates rise, the value of existing bonds typically falls . . . and vice versa.

Common Stock

A security that represents partial ownership of a corporation. Those who hold common stock are entitled to participate in stockholder meetings, to vote for the board of directors, and may receive periodic dividends.

Preferred Stock

Securities that represent ownership in a corporation and have a higher claim on a company’s assets and earnings than common stock. Dividends on preferred stock are generally paid out before dividends to common stockholders.


Stock options give a trader the right, but not the obligation, to buy or sell shares of a certain stock at an agreed-upon price and date. Employee stock options (ESOs) are when a company effectively grants call options to certain employees as compensation.

A L T E R N A T I V E  I N V E S T M E N T S

Real Estate Investment Trust (REIT)

A REIT is a company that owns, operates, or finances income-producing properties. REITs generate a steady income stream for investors but offer little in the way of capital appreciation.

Private Equity

Firms buy companies and overhaul them to earn a profit when the business is sold
again. Capital for the acquisitions comes from outside investors in the private equity funds the firms establish and manage, usually supplemented by debt. It tends to be most popular when stock prices are high and interest rates low.

Hedge Funds

Actively managed alternative investments that commonly use risky investment strategies. This form of investment requires a high minimum investment or net worth from accredited investors.


A basic good used in commerce that is interchangeable with other commodities of the same type. Commodities are often used as inputs in the production of other goods or services. Investors can buy and sell commodities directly in the spot (cash) market or via derivatives such as futures and options.

I N S U R A N C E - B A S E D  I N V E S T M E N T S

Variable Annuity

A value based on the performance of an underlying portfolio of sub accounts selected by the annuity owner. Variable annuities offer the possibility of higher returns and greater income than fixed annuities, but there’s also a risk that the account will fall in value.

Fixed Annuity

Insurance contracts that pay a guaranteed rate of interest on the account owner's contributions. The earnings in a fixed annuity are tax deferred until the owner begins receiving income from the annuity.

Equity Indexed Annuities

A fixed annuity where the rate of interest is linked to the returns of a stock index, such as the S&P 500. Equity-indexed annuities may appeal to moderately conservative investors.

Cash Value Life Insurance

Permanent life insurance policies like whole life or universal life can accumulate cash value over time. Policyholders may borrow against or withdrawal from a cash value life insurance policy.

Market-linked CDs

A type of certificate of deposit that’s based on a market index, a basket of equities or a combination of the two. This determines the returns you can see from the CD.

R I S K  M A N A G E M E N T

What happens if you pass away unexpectedly?

Life Insurance – Providing options and strategies to cost and tax
effectively protect your surviving family.

What happens if you can’t work, or perform your job as you have before?

Disability Insurance- Providing protection for our clients losing the ability to work or if they cannot perform tasks that are paramount to their specific
profession.Years of experience have prepared us to guide you through your life transitions.

What happens if I am a business owner and become disabled?

Business Overhead Insurance: Helping make sure that your business can also pay its bills while your unable to work.

How do I make sure that I am not a burden on my family later in life?

Long Term Care Policies and Hybrids: Helping our clients find cost effective solutions to provide for the long term.

A N Y  Q U E S T I O N S ? | 918-488-8588