Independent Financial Advisors have the ability to access products from many Insurance and Investment Companies. I begin by understanding you and your needs, and then develop a strategy together to achieve them. After we have agreed on your strategy, I'll help you choose the tools or products that will best meet your financial goals. Here's an example of an Insurance and Investment Company I have access too: Planning life insurance involves providing income to you and your loved ones in the form long-term, disability and life insurance. This involves carefully analyzing your requirements to create a plan that will meet your expectations, protect your family and provide for the future. Planning your retirement and constructing a portfolio of investments is key to investment management. This involves understanding your retirement needs and goals so you can have reliable income streams that are tax efficient. It also takes into account your time frame and makes sure you're investing in the right way. A holistic approach to financial analysis is essential. We can assist you in charting a course to achieve your financial goals by analyzing all aspects of your finances, including your investments, income and debt.