Financial Planning…
“There are certain crossroads in life when important financial decisions are made. Bob believes this comprehensive financial planning process can help his clients make smarter decisions at these critical times and place them in a better position to achieve their goals in life.”
The comprehensive financial planning process accomplishes the following objectives:

Financial Position

Bob works with you to determine your net worth and analyze your cash flow. This is the best way to make sure you are moving in the right direction and at the pace that will help you reach your financial goals.


He helps you determine the kinds of investments and investment allocation that’s appropriate for you based on your financial goals, your age, your tolerance for investment risk, and your investment time horizon.

Tax Management

He works with you to analyze your current tax exposure and identify steps that can be taken to reduce your current and future tax obligations.

Estate Planning

He helps you articulate your estate planning objectives and recommend specific legal and investment strategies to minimize taxes and help ensure your assets are directed where you want them to be at the end of your life.

Retirement Planning

Bob helps you clearly identify what retirement means to you and quantify what the financial requirements are likely to be. Then he works with you to determine your current progress and the steps you can take to improve upon it.


He analyzes the risks you face and help you make smart decisions about protecting yourself and your family from those risks.