It goes without saying that a job loss can be a major threat to your financial security. If the company you’ve worked for is downsizing, you may be given very little time to decide whether to accept a buyout offer/severance package, or stay on the job longer and take your chances. We’ll work with you to evaluate the financial impact of each option, giving consideration to health and life insurance benefits and your retirement savings.

When you’re dealing with grief, the last thing you want to worry about is money. Unfortunately, you’ll have to focus on your finances pretty quickly, especially if you didn’t plan for the financial ramifications of your loved one’s death. How will you deal with the potential loss of income? Will your lifestyle have to change? And how will your income tax liability change when you no longer have the benefits associated with filing a joint return?

Retirement requires a major change in the way you think about investing.  After years of saving, the focus is no longer on growth, but on preserving wealth and generating a reasonable rate of return. When’s the right time to start shifting your focus? How much retirement income can you count on?  And how can you be sure you won’t outlive your money?

Coming into money is exciting but it comes with big responsibilities. Getting advice from a financial professional can help you make the most of any windfall. Should you add to your saving and investment accounts, pay down debt, or do both?  What’s the best way to do that? How much of this money will you have to pay to the government? Should you update your will or consider a trust? What other estate planning services might you need?