Financial Planning
From paying for education to preparing for retirement, we work with you to develop and implement a lifetime financial plan for protecting your interests and achieving your dreams.

College Planning: The cost of a four-year college education continues to grow faster than the rate of inflation. To meet that future education expense, most parents find it necessary to establish an investment program when their children are relatively young. Our investment brokers can assist you in determining how much you will need to invest in today's dollars to meet those future college expenses and will advise you as to which investments are most likely to achieve the long term growth to keep ahead of inflation.

Retirement Benefit Plans: To help build that retirement nestegg, our investment brokers can assist clients in understanding the features of such retirement plans as IRA's, pension and profit sharing plans, 401(k)'s, and tax-sheltered annuity plans. we work directly with our clients, or in conjunctions with their accountants and pension administrators, to design specific retirement plans and to fund those plans with the most appropriate investments. Ask us how the Economic Growth and Tax Relief Reconciliation Act of 2001 can benefit you. 

Estate Planning: Even if you don't expect your estate's value (including death benefits from insurance policies) to total more that the current IRS limits, you may need an estate plan. If you do nothing to control the disposition of your estate, by default you have an estate plan- one designed and administered by the government, with no regard for the needs and desires of you and your family. Proper estate planning can use lifetime gifts and trusts to minimize your estate tax liability. With the help of your financial advisor at Cheevers, Hand and Angeline, LLC we can complete a comprehensive estate plan for you to review with your accountant and attorney.

Transfer on Death : Dealing with a death in the family is an emotionally draining and challenging time, but having to struggle with assets that are held up in probate as well can causeeven more pain unnecessarily. To help make sure your dependents receive their inheritance according to your wishes, you may want to consider a Transfer on Death Agreement. This legal arrangement enables you to pass ownership of certain assets in your name directly to beneficiaries you choose, thus bypassing the potential entanglements of probate. Your financial advisor at Cheevers, Hand and Angeline, LLC can help you sort through the issues, and can tell you whether a Transfer on Death Agreement would be appropriate for your situation.