Forms

New Client Forms

Online Confidential Questionnaire - Information for our initial meeting.

Incapacity Directive

Online Risk Questionnaire - Part of your Risk Profile.

 

Links to printable pdf's:

Confidential Questionnaire - Information for our initial meeting.

Cash Flow Questionnaire - Your expense information.

Risk Questionnaire - Part of your Risk Profile.

Form ADV Part 2 - Our current Investment Advisor information filed with the State of Florida.

Our Privacy Policy - Our commitment to your privacy.

Code of Ethics - How we do business.

 

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Lakewood Ranch financial planner looks at costs of health care in retirement

It is no secret that health care is expensive. For most of us, annual health-care costs increase as we get older and threaten to become our largest expense item. Fidelity's latest study proclaims that the average 65-year-old will need $245,000 to cover health-care costs in their lifetime.

Read the rest of the Bradenton Herald Article.

Why everyone needs to own bonds

Everyone should own bonds or bond-like investments, though you might ask why would anyone want to own bonds at this time? The value in owning bonds is not just for the known rate of income but also to provide a less-volatile rate of return and to provide stability to a portfolio. Providing stability and helping us deal with our instinctual desire to make the wrong moves at the wrong times may have the most value for investors.

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Investing in a world of negative interest rates 

More than 25 percent of bonds are yielding less than zero percent. That means when the bonds mature, owners will receive less than they paid for them. This is a scary scenario for any bond investor as security of principal and low-risk returns are the main reasons to hold bonds.

Read the rest of the Bradenton Herald Article.