Broker Check

813-837-7000

My Services

I offer a wide range of customized services that cover nearly all of the areas of your financial life.  Being independent allows me to get to know you, your goals, and your dreams.  You will never be categorized or herded into a "Client Type Category" where you are sold a basket of services or products.  I have yet to find any two clients with exactly the same goals, dreams or fears.  Possibly more important is that you will always deal directly with me.  You won't have to worry if the advisor you confided in initially will be around six months from now or even remember who you are the next time you need them.  I keep in regular contact with my clients so I can better serve their needs and adjust their investment portfolio as they move through all of life's stages or any unforeseen events that eventually happen to all of us.  The services I offer are listed below in more detail:

  • CONTINUOUS PORTFOLIO & INVESTMENT MANAGEMENT- I manage various types of accounts including Taxable Trading Accounts, Traditional IRAs, Roth IRAs, 401k and other retirement account rollovers, Coverdell Education Accounts, SEPs, and Trust Accounts through a discount broker.
  • ASSET ALLOCATION AND ANALYSIS OF YOUR CURRENT EMPLOYER RETIREMENT PLANS- I can periodically analyze your current employer retirement plan and suggest changes to make sure you are allocated properly for your age and risk profile. I can also help you make sure you are making the most of your employer's benefit plan.
  • COMPREHENSIVE FINANCIAL PLANNING - Some people never retire because they are scared they won't have enough money to do so while others retire early not knowing if they have saved enough to support their desired lifestyle.  These are very complex issues, but there is a way to know where you are financially right now and whether you are on track to meet your future goals. Comprehensive financial plans help you "map out" your current financial position, set future goals for retirement or any other major life expense or event, and simplify estate planning for your heirs.  Comprehensive plans include an analysis and projections of income, debt, retirement, education planning, tax planning, insurance planning, and estate planning. These plans also measure the effects of inflation and social security benefits over time.  It will show any deficiencies in your ability to reach your goals and suggest ways to overcome those deficiencies.  Anyone seriously considering retirement should consider a comprehensive financial plan.
  • MODULAR FINANCIAL PLANNING- Modular plans are scaled down comprehensive plans that look only at a specific financial area of your life such as retirement, education or tax planning.
  • BUDGET AND DEBT COUNSELING- The biggest obstacles that prevent us from reaching our financial goals in life are lack of discipline through the use of a budget and poor debt management.  How you manage these two areas of your life alone can determine if you will be able to retire with dignity or be in "bondage" forever.  Unfortunately, most of our parents never taught us these skills and they certainly don't teach it effectively in school.  Learning how to manage your money and be responsible with debt can truly change your life for the better.  Married couples can develop closer relationships when they learn to work together when it comes to money.  It also makes a great gift to a graduating senior or a newlywed couple. 
  • LIFE INSURANCE SALES- I am an independent, licensed life insurance and annuities agent in the State of Florida.  I am not an employee of any insurance company so I am free to find and work with the best companies and products on the market.  I almost always recommend "Level Premium Term Insurance".  Term life is very affordable and you get much more coverage for your hard earned dollar and rates have dropped dramatically over the last several years.  If you currently have a "Whole Life" or Universal Life" policy, or even an old "Term" policy, you may want to consider a free life insurance review to see how much money you can save.  If you have a family and have no or little life insurance coverage, rates for term isurance have never been lower.  Just fill out an information or contact form for more information.
  • ANNUITY SALES - After the stock market meltdown of 2008-2009, annuities have become a popular way to shift investment risk to someone else while allowing your investment to grow tax deferred.  You can receive a guaranteed income stream for life and an investment that is guaranteed to never lose money.  These products are becoming more and more a part of a total diversified retirement portfolio and these new products are much more flexible and versatile than in the past.  If you are interested in learning more about these products, please fill out a quote form or contact form and I will get that information to you.