Products and Services


We give your financial picture a holistic approach and we offer a range of products and instruments to suit your individual needs.



Any financial blueprint should begin with a firm foundation and the risks associated with your home, your vehicle(s), your health, and your life. We believe that a first step in building a strong financial blueprint is to transfer those risks from you to an insurance company. 


Do you have life insurance?

No one knows the hour and day of their death. That does not mean that you can't prepare. We believe life insurance should cover your burial, all your debts (including mortgage), replace your income, and provide an education for your children. We do not believe that life insurance is an efficient product for long-term investing. For this reason we recommend the cheapest life insurance -Term Life. 


How much life insurance do you need? 

We look at your total financial picture so our recommendation is based on what you need and not off of what we'd like to sell you.


Request a Life Insurance Quote


Request a Long-Term Care Insurance Quote


The long forgotten principle of successful businesses is having cash on hand. Without it you are exposed when emergencies arise that are not covered by insurances.

We believe the next step to a financial blueprint is having money in cash that can be used for emergencies. We start off getting you to $700 or a $1000, but eventually our blueprint plots a course for 1/3 to 1/2 of yearly expenses in liquid accounts.  



Debt Assassination

Assassination is a serious word for the kind of attitude we have toward debt. We want to help you eliminate it with the same zeal, efficiency, and permanence. We build into your financial blueprint a debt elimination plan that seeks to wipe out all your debts.





Once we have the other steps firmly in place we then move on to investing for the future.

When in comes to investing there are some important things to consider:

When do you want to retire?

How much will you need in retirement?

How much do you need to put away on a yearly/monthly basis to achieve your goal?



Make a Plan*

The key to financial security is to have a financial strategy.  You'll first need to figure out where you're starting from – for example, how much you owe and how much money have you saved. Then set your goals. Do you want a car, a college education for your children, or a comfortable retirement? Once you know what you want, when you want it, and how much it costs, you can figure out how much you'll need to save.

Save and Invest for the Long Term**

Perhaps the best protection against risk is time. On any given day the stock market can go up or down. Sometimes a market downturn can last for months or more. But over the years, investors who adopt a "buy and hold" approach to investing tend to come out ahead of those who try to time the market.

Avoid the Costs of Delay***

Time can be one of the most important factors determining how much your money will grow. If you saved $250 a month at 10% interest starting from the time you were 20 years old, by age 65, your savings would total $2,650,000. If you wait until you are 30 years old, you'll have $949,000 at age 65. In fact, just one year's delay – waiting until you're 21 years old to start saving $250 a week at 10% interest – will cost you more than $250,000 by the time you're 65. (see graph below****)

This is a hypothetical illustration and is not representative of a particular product.  Actual results may vary.

















This is a hypothetical illustration and is not representative of a particular product. Actual results may vary.


Types of plans

There are a number of retirement plans that can take advantage of tax deferred savings such as IRAs, 401(k)s, and 403(b)s. Others can even provide tax-free distributions in retirement; such as a Roth IRA (At 59 1/2 years of age or older and held account for at least five years). Which one is appropriate for your goals? We are here to help you learn what can benefit you the most in reaching your retirement goals.

Maybe you are an employer and are looking to both attract and retain top performers while at the same time taking advantage of tax savings for your business. There are a number of employer benefit plans that can help you achieve those goals; such as SEP IRAs, SIMPLE IRAs, 401(k)s, and others. We are here to help you decide which is most appropriate for the vision you have for your business.


Request Information About 401k and Retirement Planning



College Planning

According to the Institute for College Access & Success' Project on Student Debt4 two-thirds of American college graduates in 2011 held student loans. In Virginia that number was lower than the national average with 59% of students owing an average of $24,717 in student loans. Student debt has been on the rise along with the price of tuition, but what is even more alarming is that unemployment for these graduates has held steady at 8.8% for 2011.

These alarming statistics demonstrate an important need that our young people have -with all this debt they are having great difficulty achieving financial security.

We offer a number of plans that can help your children or grand-children get a head start on their financial blueprint.












Estate Planning

Who needs an estate plan?

Anyone who wants to assure that their legacy is passed on in a manner consistent with their wishes.

We believe that a vital, often forgotten step, in a financial blueprint is having your estate in order. Your financial blueprint can be quickly eroded by estate taxes and probate fees. Knowing what you own and designating your heirs is an important first step to preserving your financial blueprint for generations to come. Other important documents to consider are Medical Directives, Living Trusts, Life Insurance Trusts, and other charitable and estate instruments.





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****The above results are hypothetical only and do not represent any investment or expected return and cannot be guaranteed. It does not represent the return of any particular investment or savings vehicle. There can be no assurance that the results as illustrated in this hypothetical scenario can or will be achieved. The calculations do not take into account inflation or taxation, both of which will reduce future values. This is neither an offer to sell nor a solicitation to buy. Registered products, including mutual funds, are sold by prospectus. For complete information you are encouraged to request a prospectus from a properly licensed registered representative. The prospectus discusses fees and charges of particular securities. Please read it carefully before investing any money. This hypothetical illustration is for illustration purposes only.