Welcome! Thanks for visiting my website. Managing your money is a lifelong challenge. Since starting my practice in 1979 I personally have faced the challenges you face. Whether it's accumulating wealth during your working career, planning for college or retiring with the highest possible income stream to provide a secure, comfortable retirement we all share one thing in common. We all need a plan. As we travel through the various stages of life we need a plan and investment strategy that is flexible. We need clear financial guidance. As an independent Certified Financial Planning professional that's what I do. I work with clients to proactively plan their financial future.