Caring for our clients with holistic financial services

Customized options based on your unique situation

Our clients are busy being experts in their arena, and the complexities of financial planning can be difficult to navigate. Professional Planning Services can fill that gap. It’s our belief that the best way to excel is to be coached by experts. The same is true with financial planning.

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Collect Social Security

Personalized Planning

Collect Social Security

Our office specializes in helping our clients navigate the complexities of retirement and financial planning. Our team is equipped to analyze and strategize for you, and we’re all fiduciaries.

Retirement & Financial Planning Resources

We are experts in the individual health insurance space and can help you apply and assess your options.

Health Insurance Resources

The success of your retirement depends on the amount you save, not on your rate of return. Learn how to use leverage and gain the potential for an additional 60-100% more for your retirement without the typical risks associated with leverage.

Design Your Own Retirement Resources

Over the years, we’ve helped hundreds of families pay for college without going broke. If you have questions about the college process, visit our sister site, Education Funding Specialists. It’s a great place to start!

Early-Stage College Planning

As college planners for families with children aged 0-12, we focus on financial strategies to maximize college savings and help reduce potential college costs. Beyond 529 plans, we guide families in optimizing financial aid and scholarships by effectively structuring their finances. By developing a comprehensive plan early, families can leverage tax strategies and financial aid opportunities to make college more affordable and secure substantial financial support when the time comes.

Late-Stage College Planning

As college planners specializing in late-stage planning for students aged 13-17, we help families strategize to target schools where students are top candidates, while also minimizing the likelihood of paying full tuition. At this stage, we work with families to position their finances in a way that maximizes eligibility for need-based aid, merit scholarships, and institutional discounts. Beyond savings, we explore options like appealing financial aid packages, selecting schools that align with financial goals, and utilizing tax benefits. With careful planning, families can significantly reduce college costs and secure substantial financial support.

Retirement & Financial Planning Resources

Medicare plays an important role in your retirement picture – Our office will complete a full assessment of your needs, provide quotes and explain benefits to you. We stay on your team throughout the years to evaluate coverage and assist in any plan changes needed.

Medicare Resources

Our team specializes in investment management and will take the time to understand your risk tolerance and financial objectives. When it comes to ROTH Conversions, we have the experience, tools and know-how to evaluate if and when a conversion makes sense for you.

Life Insurance Resources

Do you know how much life insurance you need? We offer complimentary life insurance needs analysis for those looking to understand their life insurance needs. Book a Needs Analysis Call today! Click here.

Disability insurance can also be called “Income Replacement” insurance. Understand the true value of this inexpensive add-on to your insurance solutions while you’re working. It can be the difference in whether or not you can cover your bills if you lose your job.

Disability Insurance Resources

An unspoken rule in retirement planning is that you should never leave your old 401k behind at an old employer. There are several reasons for this, including access to more investment options inside of an IRA. However, there are circumstances where we’d advise you to keep your funds where they are when leaving a job. Find out if a rollover is right for you.

If you could reduce the amount of money that is leaving your circle of wealth unknowingly and unnecessarily, would you want to know how? We specialize in strategizing to reduce your tax burden and keep more of your hard-earned dollars. Learn more by scheduling a time with one of our planners today.

Tax Strategy Resources

Business Owners

Business Owners Need to Know

Selling your business or retiring? Do you have an exit strategy?

Kai-Zen – A retirement secret for business owners

Self Employed Pensions (SEP’s)

401k’s and Retirement Plans

Small Group health insurance plans are typically for groups with 2-50 employees who work full-time. The enrolled members must meet the health insurance carriers participation (enrollment) rules, and no New Jersey groups are currently allowing “husband/wife”-only small groups.

With that being said, the choices can be daunting. Let us be your guide!

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Small Group Health Insurance Carriers

Horizon Small Group Dental & Vision

Oxford Dental & Vision

HSA’s, HRA’s and FSA’s


What if you could access Fortune 500 Health Insurance Plans for your Small Business? PEOs allow for that, but there are benefits as well as drawbacks to consider.

Going this route allows for easy access to group life plans, short-term disability, long-term disability, critical illness insurance, cancer coverage, pet coverage and more. However, there are fees, and you’ll need to change your payroll and most times your workers compensation coverage as well.

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 Level-Funded Health Insurance Plans

Buy- Sell Agreements

 Cross Purchase Buy-Sell vs an Entity Purchase Buy-Sell

Disability Buy-Sell Agreements

We understand the risk of Death but what of an injury or illness that takes out a key owner?

Business Valuation for Buy-Sells

Key-Person Coverage – Your competition wants your best employee

Business Overhead Coverage

What would happen if you got injured and couldn’t work? How will you pay your staff and business expenses? That’s where business overhead insurance comes in.

Long Term and Custodial Care Through Your Business

Business Owners Need to Know

Employee Benefits

  • 401k’s – Should you enroll in your company’s plan and if so, how?
  • Health Insurance – How do we enroll in our companies group health insurance
  • I lost my job so how does Cobra work?
  • Group Life Insurance Coverage – How much to elect?
  • Group Disability Coverage – Enrolling before you need is the key
  • Long Term & Custodial Care – New solutions for an aging population. Where would you want to be cared for? Home or a Nursing Home?
  • Group Health Ins – It’s expensive and your employer is usually paying the lion’s share
  • Group Dental or Voluntary – If your employer is paying for this make sure to utilize
  • Group Vision or Voluntary – How to enroll in your employers’ plan
  • Your child is aging out of the group’s plan. What are health insurance options for them?
  • HSA, HRA and FSA’s often overlooked section of the tax code and complicated

MyLegacyLock

Wills, trusts and legacy planning do not have to be difficult or expensive. Together with estate planning attorneys, we can help.

Medicare Simplified

Do you have questions about Medicare? Check out our library of informative Medicare videos here:

Term Quotes

We work with individuals across the nation to secure the lowest lie insurance rates available. Give us a call today or get an instant quote now.

Your Time Is Now

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