Some personal finance software packages, magazines, or self-help programs claim you can do your own financial management. However, you may decide to seek help from a professional financial advisor if:

• You feel that a professional advisor could help you improve on how you are currently managing your finances.
  
• You know that you need to improve your current financial situation but don’t know where to start.
  
• You have an immediate need or unexpected life event such as a birth, inheritance, or major illness.
  
• You feel that you do not have the time to spare to do your own planning.
  
• You need expertise you don’t possess in certain areas of your finances. For example, a professional advisor can help evaluate the level of risk in your investment portfolio or adjust your retirement plan due to changing financial circumstances.
  
• You want to get a professional opinion about the financial plan you developed for yourself.

Traditional & ROTH IRA's
Income Planning
Estate Planning
Legacy Planning
Business Continuation
Pension Concepts
401k Rollover
Buy-Sell Agreements
Key Executive Plans
Charitable Trust Planning

Mutual Funds
Variable Annuities
Fixed Annuities
Equity Index Annuities
Stocks

Long Term Care Insurance
Annuity/Long Term Care
Life/Long Term Care
Disability Income

Variable Universal Life
Fixed Universal Life
Whole-Life Insurance
Term-Life Insurance

EFTs (Exchange Traded Funds)
Unit Investment Trust
REITs (Real Estate Investment Trust)