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Our Process

Every dollar has a purpose for you.

Our job is to find out what that purpose is and help you manage it efficiently.

Our core focus is to develop solutions and offer services that uniquely aligned with you and your family’s needs. In doing so, we strive to simplify the financial planning process and find financial strategies that don’t need to be complicated. To us, understanding and education is a core strength in building successful, long-lasting relationships with our clients.

Taking a Team Approach to Managing Your Wealth


We primarily work with pre-retirees and retirees who are enthusiastic and committed to meeting their retirement goals. With our team-oriented approach, we’re focused on working together to educate you about the many options and solutions we can use to achieve your short and long-term goals. As we work together, we offer a process that’s engaging, interactive and intuitive to help you stay motivated and on track as we focus on achieving your goals.


The Value of Our Services


Investment Planning
  • Review of Portfolio
  • Asset Allocation
  • Time Horizon
  • Withdrawal Stages
  • Investment Policy Statement
  • Stock Concentration and Diversification
  • Review Investments Held Outside of Our Firm
Estate Planning
  • Wills
  • Power of Attorney
  • Living Will
  • Health Care Proxy Trusts
  • Irrevocable Life Insurance Trusts
  • Estate Taxes
  • Guardians for Minor Children
  • Charitable Giving

*Neither Voya Financial Advisors nor it’s representatives offer tax or legal advice. Please consult your tax and legal advisors regarding your individual situation.


Retirement
Planning
  • Retirement Goal Setting
  • Social Security and Medicare
  • Business Planning
  • IRA Contributions and Conversions
  • Employer Sponsored Plans and 401k’s
  • Annuities and Pension
  • RMD’s and Withdrawal Strategies
  • Self Employed Retirement Plans
Risk Management and Insurance
  • Review of Existing Policies
  • Life Insurance Needs
  • Long Term Care
  • Disability Insurance
Cash Flow
and Budget
  • Income Sources
  • Expenses and Budgeting
  • Debt Management
  • One-Time Expenses
  • Planned Large Expenses
  • Emergency Funding
  • Dollar Cost Averaging
  • Mortgage Review
  • Line of Credit


Assistance to Loved Ones
  • Gifting
  • Education Funding
  • Caring for Elderly
  • 529 College Savings Plan
  • Roth IRA’s for Children
  • UGMA/ATMA
Income Tax Strategies
  • Review of Cost-Basis
  • Review Realized Gains
  • Carry Forward Losses
  • Tax Loss Harvesting
  • Deductions and Credit
  • Potential Roth Conversions

*Neither Voya Financial Advisors nor it’s representatives offer tax or legal advice. Please consult your tax and legal advisors regarding your individual situation.


Investment Process


Interested In Learning More?


Get In Touch With Our Team


Located in Jersey Shore State Bank
300 Market St.
Williamsport, PA 17701

P: (570) 320-2045

Access Your Accounts Here


Sekel

Voya Digital Adviser

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$5,000


Lowe

Voya Digital Adviser

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$5,000