Understanding your finances shouldn’t feel complicated or overwhelming. My role is to bring clarity to every conversation—breaking down complex topics, answering your questions, and helping you move forward with confidence. Whether you're planning for the future, evaluating your options, or navigating uncertainty, I'm here to guide you each step of the way so you can make decisions that truly support your goals.

Retirement Questions:

When can I retire?

Am I on track for retirement?

How do I create a retirement plan?

401(k) Questions:

What can I do with an old 401(k)?

What’s the difference between a 401(k) and an IRA?

How do I choose funds in my 401(k)?

IRA Questions:

Should I have a Roth IRA?

How do withdrawals work for each type of IRA?

Is a Roth IRA better than a Traditional IRA?

Life Insurance Questions:

How much life insurance do I need?

What is the difference between term and permanent life insurance?

Does age affect life insurance rates?

Disability Insurance Questions:

What does disability insurance actually cover?

How much disability coverage should I have?

How long will the benefits last?

Long Term Care Questions:

Does Medicare cover long‑term care?

How much long‑term care coverage should I have?

How much does long‑term care typically cost?

Annuity Questions:

What is an annuity and how does it work?

Is an annuity a good fit for my retirement plan?

When can I start taking income from an annuity?

Social Security Questions:

When should I start taking Social Security benefits?

How does claiming early affect my monthly payment?

How does divorce impact eligibility for benefits?

College Planning Questions:

What’s the difference between a 529 plan and other savings options?

How does financial aid work?

Will my savings affect my child’s financial aid eligibility?

Estate Planning Questions:

Do I need a will, a trust, or both?

How can I minimize taxes for my heirs?

Who should I choose as my executor or trustee?