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Like most people, you have life goals for yourself and your family. These might include buying a home or business, saving for college education for your children, taking a dream vacation, reducing taxes, retiring comfortably. Financial planning is the process of wisely managing your finances so that you can pursue your goals-while at the same time helping you negotiate the financial barriers that inevitably arise in every stage of life. A qualified financial planner, such as a CERTIFIED FINANCIAL PLANNER™ licensee, can help you make decisions that make the most of your financial resources.

Choosing a financial planner is as important as choosing a doctor or lawyer. Working with a financial planner is a very personal relationship. In addition to competency, a financial planner should have integrity, trust and a commitment to ethical behavior and high professional standards. You want a planner who will put your needs and interests first.


Financial Planning Objectives 

Savings and Spending 

  • Budgeting
  • Education Savings
  • Major Purchases
  • Mortgage Review
  • Debt Review (loans)
  • Family Gifting
  • Charitable Gifting
  • Income Tax Review *

Business Planning 

  • Business Succession Planning
  • Preparing to Sell
  • Buy/Sell Agreements
  • Compensation Arrangements

Insurance and Risk Mitigation 

  • Life Insurance
  • Health Insurance
  • General Liability Insurance

Investments and Retirement Planning

  • Retirement Planning and Projections
  • Investment Review
  • 401k, IRAs
  • Stock Options/Restricted Stock
  • Company Benefits, Pension Plans
  • Annuities
  • Beneficiary Designation

Estate Planning

  • Last Will and Testament*
  • Asset Protection
  • Durable Powers of Attorney, other documents*
  • Trusts*
  • Distribution of Assets
  • Beneficiary Designation, Titling of Assets
  • Choosing Executor and Trustee*


Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFG STC Insurance Agency LLC), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered.

Investments are: *Not FDIC/NCUSIF insured *May lose value *Not financial institution guaranteed *Not a deposit *Not insured by any federal government agency.

Click here to view Cetera Investment Services privacy policy, other important information, and business continuity plan.

This site is published for residents of the United States only. Registered Representatives of Cetera Investment Services LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all products and services referenced on this site may be available in every state and through every advisor listed. For additional information please contact the advisor(s) listed on the site, visit the Cetera Investment Services LLC site at

*For a comprehensive review of your personal situation, always consult with a tax or legal Advisor.  Neither Cetera Investment Services, nor any of its representatives may give legal or tax advice.