The Firm provides a range of services to individuals and businesses in a variety of industries. Each client's specific needs are carefully considered in planning and achieving objectives in an ever-changing financial and regulatory environment. Professional services include:

Financial and Retirement Planning

Tom's mission is to guide and assist you to reach your financial goals and to enjoy life style and financial independence for your lifetime. Interactive guidance is the hallmark of the Firm working with you in making decisions about:

• future or current retirement planning
• education funding
• asset allocation
• investment selection and performance monitoring
• employee benefit plans
• insurance and tax issues
• estate planning and charitable gifting

Whether your planning needs are modular or comprehensive, be assured that your concerns will be addressed thoroughly within the current tax and legal environment.

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Tax Planning

The emphasis in tax planning is to guide clients through the spectrum of tax planning and preparation issues with strategies that minimize taxes, maximize cash flow and keep you moving toward your financial goals. In addition, the Firm has associations with other qualified professionals to meet your unique taxation requirements.

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Trust & Estate Planning

Effective trust and estate planning can assure financial security for family and other beneficiaries and establish desired legacies. For the business entity, the trust can be pivotal in and future ownership objectives. Navigating the legal and tax complications so as to facilitate the transfer of assets to beneficiaries and minimize any related tax obligations is the goal. Careful estate planning can ensure that complications will be reduced for your loved ones during a time of loss.

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Employee Benefits, Pension, and Profit-Sharing Plans

Selection of employer/employee benefit plans often is a complex process. The Firm will guide you in the selection and implementation of plans tailored to your business. Plan design is structured not only to reward employees but is also attuned to the objectives and capabilities of your business at each stage of its development. Tax considerations and ease of administration are key issues in each plan proposal.

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IRS Representation

Professional representation during a tax review can be critical in saving you time and dollars. The Firm's experience and its links with other legal and tax experts optimize the guidance provided to clients in dealing with federal and state agencies.

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Debt and Finance Consultation

Whether your requirements are business or personal, the Firm can assist you in defining and prioritizing options available for debt management and financing. Often, structuring of debt provisions can result in lower payments and reduced interest charges while smoothing cash outflows so you can handle your affairs more effectively.

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