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Your Business – Your Employees – Your Future

Running a successful business is no small task. Things like your business succession plan, key employee benefits, and key person insurance may not be top of mind.

We can help you take the next steps to protect your business—and your financial wellbeing—so you’re ready for unexpected changes and future transitions.

·        Buy-Sell insurance planning 

What will happen if an owner or partner passes away?  Can the business still thrive?  Do you inherit an unwanted new partner who is not equipped to play the role?

·        Key employee insurance planning

How would it affect your business if your top talent passed away?

·        Retirement Planning/Compensation 

Do you offer a qualified retirement plan?  Is it the right one for both YOU and your employees?

Do you want to provide incentive compensation for certain high level or specialized employees?  For yourself as an owner?




“Next Gen” program (typical age: 25-40)

Why did we create Next Gen? Because you are a mover & shaker. You are busy building a great life and you need a flexible financial plan that can keep pace.  It’s not just about numbers, it’s about your goals & dreams. It’s about purpose. We want to help you connect your money to what you want in life and now is the perfect time to start. _________________________________________________________________________________

If you’re young, chances are that investing may not be on your radar yet. But young investors have one huge advantage over most people when it comes to building wealth, and that’s time.

Maybe you’ve just gotten your college degree or rented your first apartment. Maybe you are five years into your career and just got a major promotion or recently got engaged.  Life’s an adventure and filled with so many possibilities!  It’s all about discovering who you are and where you want to go in the world.

The sooner you start becoming financially saavy the more time you give yourself to reach your goals.  It’s not just about visualizing those “oh so far away” retirement years…. There should be lifestyle goals happening all along the way through!  Having a defined plan and the ongoing support of a financial coach is an excellent way to get a jump start on your dreams!

Business Planning
Next Gen





Online investing, personalized for you

Guided Wealth Portfolios is our digital investing solution that allows you to invest online with a low starting minimum and low-cost, exchange-traded funds (ETFs) while working with a personal financial advisor. Whereas other, similar solutions, called “robo advisors,” often require a large investment amount before granting access to a dedicated financial advisor, our solution allows you to start with only $5,000.*



With Guided Wealth Portfolios, you get a diversified portfolio personalized for you and your individual investment goals. Guided Wealth Portfolios is an innovative way to invest for your future, whether you want to invest for retirement or a major purchase like a new home—or simply want to get your money in the markets so it’s not sitting idle. You’ll also get to build a relationship with a financial advisor and engage with a personalized, online dashboard that shows you how your account is doing along the way.

To see if Guided Wealth Portfolios could be the right investing solution for you, click on the link below, where you can answer a few brief questions about your goals and receive a personalized proposal.



  1. Provide an email address and choose a password so your information is protected.

  2. Answer a few simple questions to tell us a little bit about you, so we can determine what your portfolio should be.

  3. Answer some questions about how you feel about taking on risk when investing, so we can determine your investment preferences.

  4. Get a personalized portfolio that outlines our recommended investment strategy and how much you could potentially earn through Guided Wealth Portfolios.

If you like your Guided Wealth Portfolios proposal and want to begin working with a financial advisor while enjoying the convenience of online investing, you can choose to open an account immediately. You’ll have the option to transfer an existing investment account or fund your account with cash—it’s just that easy.

We implement your personal portfolio using proven diversification techniques and sophisticated algorithms. You’ll receive allocations designed for you and your savings goals, and benefit from trading techniques that can help reduce taxes. Your portfolio is monitored daily, keeping it on track as markets move, and rebalancing it as needed.

*An annual small account fee is applied to accounts with less than $10,000 invested. Additional fees will apply.

IMPORTANT:  The projections or other information generated by Guided Wealth Portfolios regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results.  Results may vary with each use and over time.  

Guided Wealth Portfolios (GWP) is a centrally managed, algorithm-based, investment program sponsored by LPL Financial LLC (LPL). GWP uses proprietary, automated, computer algorithms of FutureAdvisor to generate investment recommendations based upon model portfolios constructed by LPL. FutureAdvisor and LPL are nonaffiliated entities

If you are receiving advisory services in GWP from a separately registered investment advisor firm other than LPL or FutureAdvisor, LPL and FutureAdvisor are not affiliates of such advisor. Both LPL and FutureAdvisor are investment advisors registered with the U.S. Securities and Exchange Commission.

All investing involves risk including loss of principal. No strategy assures success or protects against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

References to tax strategies that the GWP service investment management considers in managing accounts should not be confused with tax advice. LPL Financial does not provide tax advice. Clients should consult with their personal tax advisors regarding the tax consequences of investing.




The “Empty Nester” transition:  Regardless of whether you are sitting in your empty nest with a margarita and party streamers or lying prone at the bottom, bloody and battered, it is likely to be one of the most significant transition times in your life.  What does this have to do with financial planning? A LOT!

Here are a few of the financial topics that will most likely need to be addressed:

  • Have you saved enough to cover college costs?
    If not, how are you planning to pay the bills? What are YOUR expectations around supporting them financially after they leave home? What are your kids’ expectations for financial support after they leave home?
  • Have you been a stay at home mom or dad for a number of years?
    What do you do now?
  • Has one spouse been taking care of all the finances up to this point?
    Will either of you want that to change?
  • How well have you planned for your own retirement up to this point?
    Kids are expensive…. Now is the perfect time to re-evaluate and make sure you are on track.

The job/career change transition:

This is a straight forward transition but not always simple.  Here are some of the questions we can help you answer:

  1. What is the best thing to do with your existing employer retirement plan?

  2. What are your new benefit options and how should you structure them?

  3. How do you deal with stock options, grants or other alternative forms of compensation?

  4. Will your tax situation change dramatically?

  5. Are you losing group life insurance that may not be offered at the new job?

  6. Do you have to move, sell your home, or buy a new one?

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