Some people like the challenge, have the time and are do-it-your-selfers. Others want to turn everything over to a financial professional. Many people fall in the middle. They want to make informed decisions, but recognize that they need professional advice.

Based on your preferences and lifestyle, your local financial advisor can provide a comprehensive analysis, focus on a specific need or help you choose investments that meet your individual risk tolerance.

Comprehensive Planning. This service provides an objective look at your complete financial situation and outlines a plan of action to help you meet your goals. The process addresses some of life’s biggest financial issues: retirement planning, investment management, risk management/insurance, estate planning, education planning and cash flow/budgeting.

Financial 360. This service focuses on the best way to maximize return while reducing risk. Issues addressed include inflation, longevity, investments, healthcare costs and withdrawals.

Retirement Income Strategies. Best suited for individuals in or nearing retirement, this service examines the amount of income a person anticipates having in retirement and whether or not that amount is sufficient to meet estimated income needs. It also covers retirement investment strategies, distribution options, Social Security, Medicare and estate planning.