My Services

At Harmony Financial Services, we provide assistance in the following areas:

 

 

 

 

 


 

Retirement Strategies

I utilize a variety of methods to help plan for retirement among pre-retirees as well as those already retired. In addition we will discuss appropriate products and strategies that are geared toward helping you enjoy a comfortable retirement.

Wealth Accumulation/Asset Allocation Strategies

I work with my clients to take an entire portfolio snapshot to help ensure "the way you are invested" matches your objectives, risk tolerance and time horizon. It is through a well-diversified* portfolio that my clients have the most opportunity to maximize gains and minimize losses.

*Asset allocation does not guarantee a profit or protect against loss in declining markets. There is no guarantee that a diversified portfolio will outperform a non-diversified portfolio or that diversification among asset classes will reduce risk.

InsuranceStrategies                                                                                                                     

I assess the need for protection in the event of death, injury, poor health, and loss of income or property. My primary concern is focused on protecting you and loved ones from financial tragedy in the event of a physical loss by offering appropriate products to meet your needs.

Estate Conservation Strategies

I work with you and your attorney in the establishment of wills, trusts, and other legal documents to help you control what you own during your lifetime. This preparation also sets the stage for the transfer of assets to your beneficiaries while helping to minimize taxes and ensure your estate avoids probate. I will help you select the most appropriate product solutions to suit your specific needs.

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