But many of us lack the time, know-how and discipline to put our financial house in order- to do the smart thing with our money. That's where a trained professional can examine your overall financial situation, help identify your life goals and help you develop a plan to achieve them. Small enough to really know you, smart enough to provide high quality professional service.
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More than just keeping a balanced checkbook, cash management includes preparing (and following) a budget, using credit wisely, and keeping the income tax burden to the lowest level possible. Risk of loss of life or property exists. Life insurance can be used to protect a family against the risk of premature death.
No matter where you are in life, it's never too early to start thinking about retirement. We can help you envision what kind of retirement you want and develop a strategy to get there. After building a solid strategy, we'll work with you along the way to make sure you stay on track. Investing is a crucial part of your financial plan.
If you find yourself in trouble financially, there are usually no easy answers - but there are many ways out for those willing to commit to changing their financial habits. A living will makes your wishes clear and legally binding in the event of a devastating illness or injury. A will is a legal document that transfers what you own to your beneficiaries upon your death.
Discuss how we work with clients, what service option would be best for you and a timeline for working together. MarriageSecond MarriageBirth of a childJob ChangeJob lossStarting a businessRetirement planning (start early on this!)How much can I save or invest? Review options to consider: 401K, IRA, Roth IRA, Simple IRA, Other?
Tom has long served as an integral part of both the Roanoke financial industry and the city's movements toward peace and cooperative growth. In 1982, Tom was among the first class in the Roanoke Valley to receive his Chartered Financial Consultant designation, (ChFC) from the American College in Bryn Mawr, PA.
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