We can help you answer some of life's most difficult questions CASH FLOWHow can I save money systematically?How much should I be saving?How do I balance repaying loans and saving?What should I have in an emergency fund?How can I afford to buy a house?Where can I get more interest than the bank, but without a lot of risk? PROTECTIONHow can I protect my income if I become sick or hurt?Will my family be "OK", no matter what?Do I need life insurance? How much? What kind?Who should I name as a beneficiary of my insurance?Should I buy term or permanent life insurance?When should someone get long term care coverage?How can I provide "Creditor Protection" for my assets? RETIREMENTWhen should I start saving for retirement?How much do I need to save?Should I pay off all my debt before I start saving?What should I be doing with my 401K? IRA?What about social security?Where else can I save for retirement?How do I know when I can stop working?How can I make my money last as long as I live?Does an annuity make sense for me? COLLEGEWhich comes first: College or retirement savings?How much will it cost to send my kids to college?How much do I need to save to make it happen?What is the best way to save without a lot of risk?How does my savings impact Financial Aid?How can we afford college and not bankrupt our own retirement or current lifestyle? TAXESHow can I legally reduce my income tax bill?What benefits can I deduct from my business?How can I avoid probate and estate taxes?Is there a way to lower taxes on my investments? ESTATE/LEGACYWhen do I need a will? A trust?How can I avoid probate and estate taxes?How can I leverage annual gifts to grandchildren?What is the best way to give to charity?What is the best way to leave a legacy to my family?