Credentials

• Life, Health, Licensed in North and South Carolina              

Personal and Business Planning Services:
My purpose is to help clients grow financially through the best possible use of both personal and business dollars. In addition, I strive to develop and implement innovative, contemporary financial concepts while maintaining the highest ethical standards.
Financial Needs Analysis:
I offer a comprehensive financial needs analysis to individuals and business owners. This service is designed to review your current financial situation and prioritize your goals. With the information provided by this in-depth analysis, I can help you establish an action plan to achieve your financial goals.

Where will you be?

Most people start their careers with the hopes of a good retirement. However, by age 65, out of 100 people:

19 people have died

38 have incomes of less than $15,000 a year

31 have incomes of $15,000 to $40,000 a year

12 have incomes of over $40,000 a year

*   Source: US Department of Health and Human Services Statistics 1996 and National Center for Health Statistics, US Decennial Life Tables for 1989 to 1991
What Services are offered?

# Retirement reviews

# Final expenses                                

#  Computerized financial needs analysis

# Protection for the uninsurable

# Mortgage protection

# Tax-free cash accumulation

# Education protection for children

# Critical illness protection

# Gifts for loved ones and charitable
   organizations (i.e. grandchildren, god-
   children, churches and universities, etc.)

# Annual insurance reviews

# Payment by electronic funds transfer

# Financial reviews

# Personal budget development/reviews

“I look forward to serving you!”

My Commitment to Clients

• I feel that personal attention and commitment to client needs are essential to making the future productive and positive. My services are based on your needs, and no consulting fees are charged to you.
• I recommend scheduling an annual consultation to review your financial situation. This includes reviewing your savings, certificates of deposit (CDs), etc.
• Remember, when it comes to your finances, you’re not alone — I’m on your side. I’m available to assist you and answer or get answers to your financial questions.
• I am interested in building long-term relationships with my clients and providing them with ideas and opportunities on an annual basis.
• Meeting your goals and objectives is my first concern. This means I will work cooperatively with your other professional advisors (accountant, attorney, etc.) to integrate your financial program.
• Every aspect of our business is conducted in confidence.