Products and Services

MIke and his team focus on Comprehensive Wealth Management, which integrates seven key areas of your financial life:

1) An evaluation of the goals and objectives that provide all context or the financial plan as a whole

2) Asset management (your total investment picture)

3) Disability and risk management (protecting you from catastrophes)

4) Tax planning and management (improving your wealth-building efficiency)*

5) Debt management (reducing unnecessary expenses)

6) Estate planning (helping you transfer your lifetime assets to your heirs and/or to worthy causes)

7) Charitable (or social capital) planning, to help you give back to the community

Our planning services include mathematical analysis and forecasting, professional evaluation and advice, specific recommendations, support, a structure for making decisions and accountability--all so that we can enable people to make effective financial decisions and to find ways to become more effective in their personal and business lives. Often people work with us to put issues into perspective, and to make important decisions that require professional analysis.

Listed below is a sampling of the products and services we utilize to implement the 7 areas of Wealth Management:

*Insurance*	*Investments*	*Planning*	*Business*
Life Insurance	Mutual Funds	Pension Planning	Group Life
Disability income Insurance	Fee -Based Accounts	Estate Planning	Group Disability
Long Term Care Insurance	Annuities	Retirement Planning	Group Long Term Care Ins.
Health Insurance	401(k) Plans/Rollovers	Fee - Based Financial Planning	401K / SIMPLE / SEP
Buy-Sell Agreements Funding	Individual Stocks and Bonds		Business Planning
	Exchange Traded Funds

Fee-based financial planning services are offered through qualified Financial Planners of MetLife Securities Inc., a Registered Investment Adviser, New York, NY 10036.

General securities are offered only on an unsolicited basis.

*Neither MetLife nor any of its affiliates, employees or representatives provide specific tax or legal advice. We will work with you and your tax and legal advisers to help you select the most appropriate product solutions to suit your specific needs and circumstances.