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For Individuals and Families
Our Mission

Life is fleeting and precious.  That’s why our clients are people who want to make every moment count.  They want both the time and money to see the world, build a new house, run a successful business, leave a legacy for their children, or do whatever it is their heart desires.  Our mission is to help our clients with all their financial needs, freeing up their time and preserving their money in the simplest and most efficient ways possible so that they can reach their goals in life.  

Using our expertise, our clients are able to invest more effectively, save more on taxes, and plan for the future.  The result is financial clarity, financial stability, and financial success.  

In short, our mission is to help you navigate the road between where you are and where you want to be.  

Our Process

We help our clients get to where they want to be through our Financial Clarity Process.  Most people can envision how they want their life to look, but the steps they must take to get there are often a blur.  It takes real financial expertise to know how and what to do; expertise you have neither the time nor the inclination to attain.  We have developed that expertise so you don’t have to.  Working together, we will take you through a step-by-step program designed to show you exactly how to reach your goals in life.  

But we don’t just show you the road.  We hold your hand as you travel on it.  Here is an example of how our process works:
  1. First, we meet with you to assess your current situation, discover your goals, and identify any challenges or dangers you face.

  2. Next, we identify what you will need to reach your goals and overcome any challenges.  More money saved on taxes?  A potential better investment return?  An adjustment in spending?  We’ll determine that here.  

  3. After an in-depth review and analysis of the information we have uncovered, we will begin working on a personalized plan for you.

  4. Next ,we present you with a Financial Clarity Plan, a detailed set of steps that, once implemented, will give you the time, confidence, and financial means to achieve your dreams.

  5. Finally, we hold regular Financial Clarity Reviews with you to ensure you remain on track to reaching  your goals.  As previously stated, we hold your hand until you arrive at exactly where you want to be.

Our Services

Here is a list of the services we offer:
  • Tax-reduction strategies.  When it comes to your money, we help you keep more so you can do more.  
  • Investment planning.  First, we help preserve your money.  Then, we help it grow.  
  • Retirement planning.  In order for you to retire when and how you want, you need to have a plan.  From determining how much income you will need to helping you maximize your Social Security benefits, we do it all.  
  • Estate planning.  Many clients tell us that the relief they feel once they know their loved ones will always be taken care of is the most powerful benefit of all.  
  • Frequent and regularly scheduled meetings to update your plan, identify any new opportunities, and help you with your ever-changing needs.  
  • An informative and enjoyable calendar of high-quality newsletters, tax reports, and articles of interest so you can stay educated about new developments in the economy and how they may affect you.  
  • Regular client-only events, some educational and some just for fun.  Our clients look forward to these all year-round.  
  • Personalized service that delivers you our best and most current ideas, suggestions, and solutions.  
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 Securities, insurance products, and investment advisory services offered through FSC Securities Corporation and its affiliates, member FINRA and SIPC, and a registered investment advisor. Certain insurance products are offered by Karen Codman, CA insurance license 0B90642, as a licensed agent independent of FSC Securities.

Broadridge Investor Communication Solutions, Inc. does not provide investment, tax, or legal advice. The information presented here is not specific to any individual's personal circumstances.

To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.

These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable—we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

This communication is strictly intended for individuals residing in the state(s) of AL, CA, CO and OR. No offers may be made or accepted from any resident outside the specific states referenced.

Check the background of this financial professional on FINRA's BrokerCheck.