Howard R. Pinson, CFP^®, CLU, RFC, LUTCF
       CERTIFIED FINANCIAL PLANNER™ professsional 

Today's investment climate offers unprecedented opportunities. Our wealth management and financial planning technique consists of a dynamic process that maps your financial path forward.  It is a robust blend of services developed to support and enhance the executive, business owner, professional and retiree’s total financial needs.  The focus is on all phases of wealth management to include Accumulation, Distribution and Legacy planning.  We rely on state-of-the-art technology combined with proficiency and commitment from us plus a strong degree of involvement from you.  You must be an active participant in the evolution of your personal financial plan.  As the process unfolds and you gain a deeper understanding of your situation, we believe your trust and confidence in our firm will increase.

Our customized planning process includes the following cost effective and time saving disciplines:

• Wealth Accumulation – investment strategies designed to integrate personal assets and the optimal use of business ownership and/or employee benefits.
   
• Retirement Distribution Planning – creating strategies for the efficient distribution of income during retirement to maintain lifestyles with particular focus on avoiding typical and costly qualified plan and IRA mistakes.  Tax reduction strategies.
   
• Estate & Legacy Planning – pro-active strategies to help maximize the transfer of wealth to future generations and limit the impact of taxation at every level.

This process is implemented through the management of assets and risk in a disciplined approach to maintain lifestyle for our clients and their families.  The implementation of our services is just the beginning of our relationship.  We will continue to meet regularly to review, evaluate and adjust as needed.  As our clients quickly discover, we are available to respond to questions and engage in discussion.

On our Web site, you'll find valuable information for evaluating your current position and progress toward financial goals. We offer educational articles that outline financial concepts and highlight products designed to fill the gaps in your financial plan. You'll also find calculators that will help you assess your current and future needs. Please remember to visit our Web site often, and utilize all the valuable information.  For help with your financial management, or for more information, please contact us today.
 

AXA Advisors does not provide tax or legal advice. Please consult your tax and/or legal advisors regarding your particular circumstances