The term, “settling an estate” is a term used to refer to the process of gathering up all the decedent’s assets and paying off the last bills, taxes and creditors, and then transferring the remaining assets to heirs and beneficiaries.

Estate planning* is an essential part of the long-term financial planning process. Many people don’t like to talk about possible health issues, death, taxes or the possibility of running out of money. They consider

Short-term thinking almost always leads to poor investment decisions. Too often, investors get out of the market during difficult times, only to get back in after the market has rebounded. This tendency to essentially buy high and sell low

In addition to helping people, charitable giving can be an important component of personal wealth management. Charitable giving strategies can help you to not only maximize your giving, but also take advantage of the tax benefits*.

Over the years, I have been introduced to many people who have decided to bring me on as a financial advisor - and for that, I am grateful. I have tremendous amount of gratitude for clients who have been working with me for many years.

The life change of retirement may be positive experience only if it is seen not as an end but as redirection of activities and interests. By all means plan for changes and for new beginnings. Always think creativity and involvement and don’t fall into