Does Your Retirement Plan Have A Plan?

Click here for the Consumer Reports article on prescription drugs mentioned in our recent newsletter.

Thank you for looking at our website. Perhaps it will lead to us meeting one-on-one soon. Please know that I treat people as I would like to be treated. I use the highest standard of care with my clients and, as a CERTIFIED FINANCIAL PLANNER ™ professional when I engage in a relationship with a financial client, I act under a Fiduciary standard. You have the right to understand your financial decisions and what options may be suitable. Rest assured that your needs and your family's needs are placed first in importance.

We focus on three main areas.

  1. Retirement Income Planning
  2. Asset Management or money management.
  3. Estate Planning and Dignity Planning.

All three of these together will help most retirees or potential retirees in the years ahead.

Let's get to know each other. Sign up for our FREE electronic newsletter and get to know us. Also, feel free to contact us to schedule a no cost appointment where we can discuss your needs one on one. No cost means exactly that. Leave your check book at home. Only by knowing something about you can we be of assistance. We have a client data form you may wish to download below so that we can quickly understand your situation and make intelligent recommendations. Bring that form to our first meeting so we can start you down the road towards your future.


See the links below for more information:

IRAs & Rollovers


We have articles on many topics, such as Retirement, Tax Planning, and Trust. Take a look at our articles.

Ed Slott

Named "The Best" source for IRA advice by The Wall Street Journal and called "America's IRA Expert" by Mutual Funds Magazine. Visit Ed Slott's IRA Help

IRS Publication 590

Provides extensive information on the tax implications of Individual Retirement Accounts (IRAs). Read IRS Pub. 590

Roth IRAs (IRS)

A special type of retirement plan under US law that is generally not taxed, provided certain conditions are met. Learn more about Roth IRAs

Money Management

Seeking Alpha

Folks, hands down this website offers some of the best current market information on strategies and tactics other investors have found useful. Visit Seeking Alpha


Our money management platform. You may access your managed Fidelity account here. Visit

Sigma Financial

Our broker/dealer. Visit Sigma Financial

BTS Management

Founded in 1979, BTS has been one of the nation's premier third party money managers, providing risk management solutions for all investors. Visit BTS Asset Management

Estate Planning


We have articles on many topics, such as Estate Planning & Trusts, Tax Planning, Retirement Planning, and investing. Take a look at our articles.


Publisher that produces DIY legal books and software that reduce the need for people to hire lawyers for simple legal matters such as making wills. Visit Nolo's Estate Planning page provides you with objective, plain-English resources you need to answer your estate planning questions and to help you better understand the estate planning process. Visit

Michigan State Bar

Promoting improvements in the administration of justice and advancements in jurisprudence, and improving relations between the legal profession and the public. Visit State Bar of Michigan's Estate Planning site