While developing a customized financial program, Jay will walk you through a step-by-step process that will help make you feel confident in your decisions.

Once your goals have been established, he will customize appropriate strategies to suit your vision and objectives. Jay's areas of focus include:

• Retirement Planning 
Manage assets before and during retirement, and make the most of your employer-sponsored retirement plan and individual retirement accounts.

• Investment Planning 
Help you understand your risk tolerance, determine your asset allocation needs, and recommend the appropriate investment vehicles. 

• Education Funding 
Recommend investment and accumulation strategies to help pay for your children's education. 

• Risk Management 
Review existing insurance policies, recommend policy changes or upgrades when appropriate, and shop to find the appropriate product for your situation. 

• Estate Planning 
Coordinate with your tax and legal advisors to help preserve your estate for your intended heirs and reduce exposure to estate taxes and probate costs.

Prior to engaging in these planning areas, Jay believes a thorough assessment of an individual's situation and needs along with development of a suitable asset allocation model is necessary.  Hence, he provides a comprehensive financial needs analysis in which he first helps individuals identify their goals, priorities, and concerns.  Next, he recommends a strategy and portfolio to reach these goals.  Lastly, he helps them choose the financial products that will implement the strategy, some of which include:

• Investments 

Traditional IRA • Roth IRA • SEP IRA • Individual 401(k) 
Brokerage Account • Mutual Funds • Annuities                
529 Plans • Education IRA      

• Insurance          

Life Insurance • Disability Insurance • Long-Term Care Insurance

Because situations and needs constantly change and evolve over time, Jay considers review meetings an integral part of a client relationship, since it is imperative that strategies and plans be continually updated to stay on track in working towards one's financial goals.