Products & Services

Securities

Through Cetera Advisor Networks LLC, our securities broker/dealer we are registered representatives. As such, we receive the normal and customary commissions in the offering of securities such as mutual funds and variable annuities. We are able to offer stock and bond transactions at reduced commissions. In addition we offer fee-based asset management through Cetera Advisor Networks LLC. We have sales agreements with many mutual fund families, both load and no-load.

Financial Planning and Consulting Services

We specialize in Family Estate Planning, including accumulation, conservation and distribution planning for our clients. All of our services are designed to meet the objectives of helping the client accumulate assets, and at retirement to conserve those assets, and to plan for the efficient distribution of the estate. As Investment Adviser Representatives with Cetera Advisor Networks we are able to offer the following advisory services for a flat fee based upon investment net worth:

Asset Analysis

Review and analyze existing assets
Analyze and recommend appropriate asset allocation

Income and Estate Tax Planning

Identify available tax saving methods
Recommend steps to reduce tax liabilities

IRA/Pension Rollover

Analyze alternatives available for retirement savings
Analyze pension or IRA pay-out choices at retirement
Analyze income needs and minimum distribution requirements
Analyze beneficiary options
Analyze effects of income tax and estate tax on large IRAs
Recommend course of action

Insurance Coverage Analysis

Review adequacy of various types of insurance coverage
Recommend coverage needed

Estate Distribution

Evaluate current situation
Establish objectives
Recommend alternatives

Life Insurance

Michael is licensed with a number of life insurance carriers to offer a variety of fixed life insurance products. We are not required to offer any proprietary products.

Professional Referrals

We are pleased to be able to recommend other financial professionals such as accountants, attorneys, long term health care and health insurance agents, property and casualty insurance agents, mortgage brokers, private fiduciaries, realtors, trust companies and services to help with medical billing and personal record keeping.