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Comprehensive Services to Help Fulfill Your Financial Goals

We offer several core services:

Retirement Planning

  • Retirement needs analysis
  • Social Security (old Age, Survivor, and Disability Insurance, OASDI)
  • Types of retirement plans
  • Qualified plan rules and options
  • Other tax-advantaged retirement plans
  • Regulatory considerations (RMD’s; Pre-mature withdrawals)
  • Key factors affecting plan selection for businesses
  • Investment considerations for retirement plans
  • Distribution rules, alternatives, and taxation

  • Characteristics and consequences of property titling
  • Estate planning documents
  • Gifting strategies
  • Incapacity planning
  • Powers of appointment
  • Types, features, and taxation of trusts
  • Charitable transfers
  • Deferral and minimization of estate taxes
  • Fiduciaries

Estate Planning

Tax Strategies Planning*

  • Income tax fundamentals and calculations
  • Characteristics and income taxation of business entities
  • Income taxation of trusts and estates
  • Cost Basis Reporting & Tracking
  • Tax consequences of the disposition of property
  • Tax reduction/management techniques
  • Passive activity and at-risk rules
  • Tax implications of special circumstances
  • Charitable contributions and deductions

  • Characteristics, uses and taxation of investment vehicles
  • Types of investment risk
  • Quantitative investment concepts
  • Measures of investment returns
  • Asset allocation and portfolio diversification
  • Accumulation & Distribution
  • Portfolio development and analysis
  • Investment Strategies

Investment Planning

Insurance Planning

  • Principles of risk and insurance
  • Analysis and evaluation of risk exposures
  • Health Insurance and health care cost management (individual)
  • Disability Income Insurance (individual)
  • Long-term care insurance (individual)
  • Annuities
  • Life insurance (individual)
  • Income taxation of life insurance
  • Business uses of insurance
  • Insurance needs analysis

*SPF does not provide tax or legal advice.

Why Choose Our Fee-Based Firm?

We’re an Investment Advisory Firm

We Always Act In Our Client’s Best Interest

We’re an Independent Firm

We Offer Our Client’s Choice With No Conflict of Interest

We’re Fee-Based Advisors

Our Fees Are Transparent & Competitive

We’re Experienced

Our 3 Investment Advisors have over 30 years of combined experience

Sound good? Let’s Get Started Today