Financial Planning

No financial plan is perfect; having no plan can be worse. The first step is understanding where you are today and what goals you desire to achieve. There are numerous financial planning calculators on the Internet that require you to input information to calculate an answer. If that information doesn’t accurately reflect your financial needs and wants, then the calculations are worthless. We have years of experience asking the right questions that can help you formulate the answers that fit your life so you can set your goals in a meaningful way. Then we’ll help choose the appropriate way to meet those goals and adjust course as needed.

Our commitment to our values and integrity means that our fees for service are transparent and never a surprise.

Employee Benefits

Finding the best employees is always a challenge and today it seems even harder. Employee benefits are tools to help secure and retain these employees. Helping the employer understand, select, and implement a benefit package that fits their small business is where we come in.

We Find Solutions For:

  • Retirement Plans
  • Health Insurance
  • COBRA Administration
  • Group Health Insurance
  • Buy Sell & Key Person Insurance
  • Dental & Vision Insurance
  • Group & Individual Disability Insurance
  • 529 College Savings Plans
  • Executive Benefits

Resource Protection

In safeguarding resources, our goal is simple. We work hard to build and protect your family’s wealth. Even with the best financial plan to grow your assets and achieve your goals, neglecting to prepare for the unexpected could put your future finances in jeopardy.

Most insurance needs boil down to the following:

  • Life, Health, and Disability Insurance
  • Long-Term Care Insurance
  • Property and Casualty Insurance
  • Annuities

Except for those wealthy enough to self-insure against all eventualities, everyone will need some or all of these products. Many insurance websites, agents, and companies can write you a policy — all of them promising the lowest rate and best coverage.

Most insurance needs boil down to the following:

  • “What is the lowest rate buying me?”
  • “What do I really need covered?”
  • “How much coverage do I need?”
  • “Do I understand what I’m purchasing?”
  • “Is the company I’m dealing with financially sound?”

You should be presented with all the pros and cons of different products. You should be made aware of how agents are paid on different products so you can decide whether they’re working in your best interest or their own. With simple explanations, you should be able to understand how the product you’re buying works.

Personal Retirement Strategies

Seemed so easy years ago. You had your company pension, social security, and maybe some personal savings you set aside. You worked for the same company, did your best , and then moved to your golden years and everything just worked out. As they all say times change.

Here are some examples:

  • Life spans have increased along with health care costs
  • Pension plans have been replaced with 401k plans, putting the burden on the employee not the employer
  • More job moves, career switching, and now the “gig” economy


Taking into account your individual life variables our financial planning process helps folks grow their assets leading up to retirement and then guides them though living off those assets. Sometimes, depending on client wishes, the planning process helps to pass those assets on to future generations as well.

Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Kestra IS and Kestra AS are not affiliated with MEI Financial Solutions, a member of Mid-Atlantic Retirement Planning Specialists, or any other entity listed herein. Kestra IS and Kestra AS do not provide tax or legal advice.

This site is published for residents of the United States only. Registered Representatives of Kestra IS and Investment Advisor Representatives of Kestra AS may only conduct business with residents of the states and jurisdictions in which they are properly registered. Therefore, a response to a request for information may be delayed. Not all products and services referenced on this site are available in every state and through every representative or advisor listed. For additional information, please contact Kestra IS Compliance Department at 737-443-2582.

Any website links referenced are being provided strictly as a courtesy. Neither us, nor Kestra IS or Kestra AS are liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of the links provided.

10 Hearthstone Ct
Suite 200
Reading, PA 19606

Kestra Financial – Disclosures