Broker Check

Services

Our firm specializes in helping individuals develop sound retirement strategies. If you are retired – or approaching retirement – please take the time to explore our website and the wealth of information we offer.

We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.

We understand the many challenges of retirement today. We know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.

One of our primary goals is to develop a long-term, trusting relationship with you. We look to pursue this goal by placing great importance on your questions and concerns. Your agenda is our agenda.

We have a passion for excellence, offer uncommon service, and place great emphasis on accountability. For more information about Perennial Financial Planning and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.

We provide strategies for the following financial planning concerns:

Retirement Income Planning

IRAs

Employer-Sponsored Plans: 401(k). 403(b) & 457

Deferred Compensation Plans

Company Stock Options & Net Unrealized Appreciation

Annuities (Fixed, Variable & Index)

Strategies for Retirement Plan Distributions

Saving for Retirement

Planning for Income in Retirement

Social Security & Medicare Planning

Investment Management:

Investing Basics & Setting Goals

Asset Allocation Review

Creating & Managing your Investment Portfolio

Portfolio Rebalancing

Protecting Against Market Volatility

Tax Loss Harvesting

Taxable & Tax-Free Investing

Stocks, Bonds, Fixed Accounts

Mutual Funds & ETFs

Personal Finance

Budgeting & Cash Reserves

Establishing & Maintaining Credit History

Mortgage Loan Review

Tax Return Review

Life Events (Divorce, Marriage, Job Severance, Etc.)

Employee Benefit Review

Insurance Planning

Estimating Life Insurance Needs

Strategies for protecting families

Life Insurance Considerations

Long-Term Care Solutions

Disability Income Plans

Estate Planning

Reviewing and Planning of Wills & Trusts

Evaluating Health Care Directives & Power of Attorney

Planning for Incapacity

Review Asset Titling

Charitable Giving

Estate Equalization & Tax Planning

Family Wealth Creation and Transfer

College Planning

529 Plans

Financial Aid

Student Loans

Repaying Student Loans