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Individuals and businesses of all income levels are realizing they need guidance in planning their financial future. Our staff will design a comprehensive financial analysis that will provide the information you need to make informed decisions. We use time proven methods of accumulating and preserving assets through investment balance, risk management, budgeting, and systematic savings. These methods can help you make the most of what you have.

Fee-Based Planning

Through our registered investment advisory affiliation we offer fee-based planning. The two greatest advantages to this program are:

The advisor has maximum flexibility with several thousand mutual funds to choose from, as well as countless individual stocks and bonds.
Your financial goal and your advisor's goal are the same: the long term growth of your assets without bias of compensation. Instead of commissions, you pay the advisor a low annual fee which is a percentage of the value of your assets under management.

Using a software model that screens the mutual funds in each category, the funds must pass stringent criteria in risk, performance, volatility, and consistency to be considered for our client's portfolios.

General Securities

With our broker/dealer we search out and screen an extensive array of investment alternatives. We have access to all major securities markets, and offer the following investments to our clients:

Mutual Funds
Common and Preferred Stock
Government and Corporate Bonds
Municipal Securities
Real Estate Investment Trusts
Unit Trusts

We keep you up to date on market and interest rate trends, offer portfolio analysis, and access to professional portfolio managers.

Retirement Accounts

Through various custodians, we offer retirement plans, tax-sheltered investments, and other tax advantaged plans such as:

Traditional Individual Retirement Accounts (IRAs)
Roth IRAs
Simple IRAs (for business owners)
Simplified Employee Pensions (SEPs)
Tax –Sheltered Annuities (TSAs)
Profit Sharing and 401(k) plans
Money Purchase Plans

Custodial Accounts

To assist you in planning your children's/grandchildren's future we offer the following custodial accounts:

Uniform Transfer to Minor Account (UTMA)
Education IRAs

Limited Partnerships

Our broker/dealer spends an extraordinary amount of time, effort, and resources on investigation and ongoing monitoring of quality limited partnership investments. We typically offer partnerships in the areas of:

Real Estate Ownership
Real Estate Tax Credits
Equipment Leasing

These investments are oriented to provide income, capital growth, and/or provide tax advantages.

Insurance

Risk management is an important part of the overall planning process. We provide the product selection needed to serve you in this area. Through a wide variety of leading insurance carriers, we offer products such as:

Term Life Insurance
Universal and Whole Life Insurance
Variable Life Insurance
Fixed and Variable Annuities
Disability Insurance
Long Term Care Insurance

Douglas G. Schmitz

Products and Services