Perspective and Approach

Our overall strategy begins with a careful understanding of your financial goals and objectives and an assessment of your risk tolerance. We then design a comprehensive and individualized "MoneyEdge" – a written, personalized financial analysis that includes protection management, investment strategy, and legacy planning.

 

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Our strategy may include the following products or solutions: Investments (Rollovers, Retirement Planning, College Planning, Tax Exempt Investing, Lifetime Income), Term Life Insurance (which includes traditional death benefit and/ or accelerated living benefits), Disability Insurance, Identity Theft and Restoration protection, and Long-Term Care Insurance and planning.

Our only loyalty is to you, our client — not to any company, product or manager — and we will recommend adjustments when it is deemed beneficial to you.

There’s more to asset management than picking and choosing stocks, bonds and mutual funds. Effective asset management is an ongoing, adaptable, hands-on process that ensures every investment decision is in line with your risk tolerance and financial aspirations. Whether you’re planning for retirement, needing an income stream from your investments or investing for a child or grandchild’s education, you want a professional that understands your family’s needs and cares enough about your goals to help you achieve them.


INVESTMENT PHILOSOPHY

We strive to listen to our clients individual goals and work within their risk tolerances to tailor a financial programdesigned specifically for them.

We do this by:

Managing and mitigating risk in a portfolio

Protecting the assets you already have is just as important as providing positive returns. We believe in being proactive in our client’s portfolios and taking defensive positions during volatile market and economic times.

Minimizing the impact of taxes and fees

We take tax implications into consideration while designing a progam to fit your needs.

Using investments that focus on lower expense ratios, allowing our clients to keep more of what they earn.

 

Gathering multiple economic and investment perspectives

We use a mix of internal and external resources to provide us with timely and pertinent information regarding ever-changing market and economic conditions.

We only partner with reputable companies with long track records

When our clients invest their money, they are not "investing in" Freedom For Living. We do not have a brokerage account where we trade on your behalf. We never handle your investment dollars directly. When our clients invest their hard earned money, they are investing with investment firms we represent. We focus on service and financial coaching.