Prepare to Live and Give with Vision, Passion, Peace, and Security

"If you want to be happy, set a goal that commands your thoughts, liberates your energy and inspires your hopes."

- Andrew Carnegie

Andrea Allen, CPA*, CFP

What is important to you and your future?  What are the goals in your life?  Are your financial strategies aligned to who you really are and what your life is about?  Where do you want to go?

Financial Position – What does your current financial situation look like? How much cash will you need now and in the future and how will you manage your debt?

Investment Planning – Is your investment strategy meeting your goals? Are you saving enough? Is your asset allocation strategy appropriate for your needs? Should you rebalance your investment portfolio?

Protection Planning – Are you protected in case you die too soon or live too long? Do you have protection in case you can’t work and earn an income for an extended period? Are your property and business protected?

Tax Reduction Strategies – Are you analyzing your current tax situation? How will capital gains and losses impact your future tax burden? Have you developed a tax deferral strategy? How will your taxes impact your retirement needs?

Retirement Planning – Do you know how much money you will need in retirement? How much will you need in addition to social security? How much should you be saving now to meet your future needs? Will your health jeopardize your retirement assets?

Estate Planning++ – Who will inherit your assets after you die? Who should own your life insurance? How will estate taxes impact your heirs? What estate documents are necessary?

++ Estate Planning services are provided working together with your Estate Planning Attorney, Tax Attorney and/or CPA.  Consult them for specific advice on legal and tax matters.  Neither Massachusetts Mutual Life Insurance Company nor any of its employees or agents are authorized to give legal or tax advice.  Consult your own personal attorney, legal or tax counsel for advice on specific legal and tax matters.