A successful wealth accumulation and retirement income plan needs to be built around your unique financial situation and long-term financial goals. With the right strategies and guidance in place, you can build the financial security required to reach your goals and embrace a comfortable and fulfilling retirement.

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Financial plans can be broken down into two types:

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A segmented plan – addresses only one specific important area of your financial situation. For example, an investment plan addresses only your investment related goals and strategies. A tax plan only address your tax related goals and strategies. An estate plan only addresses the eventual transfer of your assets to your intended beneficiaries.

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A comprehensive or holistic financial plan – recognizes that there are many important and critical areas of life that can (and usually do) have a profound effect on you financially.  We developed the Crystallization Elements™ to illustrate these areas. A development in one area seldom occurs without having an impact on one or more other areas.

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We strongly feel that a comprehensive or holistic financial plan is imperative to ensure that all elements of your financial life have been addressed. Furthermore, the effect of one element on other element(s) is a vital component of a truly rock solid financial plan.​

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