OUR SERVICES Personal Financial Planning Services Traditional Financial Services Goals, objectives & needs assessment Cash management Tax planning coordination Investment advisory service Estate planning facilitation Life & health insurance planning Disability & long term care insurance planning Retirement income planning Education funding planning Investment management consulting Securities brokerage * Mutual funds * Life insurance Health insurance Long Term Care insurance Our fee-based financial planning services may include either generic or specific implementation recommendations. In instances where we are directly involved with and compensated for specific implementation items, we limit delivery of our fee-based advice to generic recommendations only. While the third party asset managers retained by our clients typically take limited discretion, we do not accept discretionary authority. Our planning casework fees are typically either billed hourly on a progress basis or on an hourly-based flat fee or retainer mode. Such casework fees are quoted in advance on our Scope of Engagement and Fee Estimate form.