Overview of Services

Our goal is to help you grow and protect your wealth, and your family's short term and long term financial security:



Objective and Comprehensive Fee-Based Wealth Management

  • Individually tailored investment portfolios and products
  • Advanced Estate and Trust Planning
  • Retirement Income Planning
  • 401(k), Defined Benefit Penson Plans and Deferred Compensation Plans

Financial Planning

  • Comprehensive Financial Planning
  • Planning for Specific Client Goals
  • Education Planning
  • Monte Carlo Analysis to Determine Probabilty of Success of Final Plan
  • Plans that include a 'Base Case' and several alternative options

Small Business

  • Tax Deferred Retirement Plans for Small Businesses
  • Consulting - with Financial Analysis of Buy/Sell Agreements
  • Objective Estate and Trust Planning for Family Run Businesses
  • Sucession Planning



  • Life & Health Insurance
  • Business Continuity & Key Person Insurance
  • Disability Insurance for MD's, Dentists, and other Medical Professionals
  • Long Term Care Insurance


Retirement Income Planning

  • Social Security Analysis
  • The Advantages of Tax Deferred Growth
  • Retirement Income Cashflow
  • Required Minimum Distribution Calculations


Estate and Trust Planning

  • In conjunction with other STEP members, we help families and businesses with issues like Legacy Planning, Exit Strategies, and Diversification of Highly Concentrated Business Ownership Assets in a tax efficient manner
  • Protecting vulnerable special needs family members with investment portfolios coordinated with special needs trust attorneys, and Social Security benefit specialists to ensure compliance with important government benefits like SSI/SSDI
  • Investment Portfolios designed and coordinated with special needs attorneys and benefit coordinators to ensure compliance with government benefit programs like SSI/SSDI

**Fixed insurance products and services offered through Frank Deptola & Associates, LLC or CES Insurance Agency