Business and Personal Financial Planning

Personal Financial Planning

FS&S offers a Personal Financial Planning service for individuals and families designed to help them achieve their financial goals. We are dedicated to making the financial planning process easy and beneficial for you and your family. Our services include the following:

1. Cash Management
2. Income Tax Planning
3. Wealth Accumulation
4. Retirement Planning
5. Asset Allocation
6. Insurance and Risk Management
7. Estate Planning

Business Planning

FS&S offers a Business Financial Planning service for small businesses. Our professionals can assist your small business with financial planning whether it be a start up or a mature business. We assess your current financial and tax situation and look for the right combination of products and services to help you achieve your financial business goals.

Business and Personal Asset Management

(offered through Lisco/Private Ledger)

You have financial goals. Whether your goal is to preserve wealth, pay for an education or assure a worry-free retirement, we can help you make the most of your money. Our professional consultants at FS&S combine a highly personal, common sense approach with money-wise knowledge and savvy. All of this leads to developing the best strategies for helping you achieve financial stability and growth. With FS&S you have access to "world class" money management firms through our Broker/Dealer, Linsco/Private Ledger.

Business Succession Planning

Have you worked a lifetime building a successful business? Do you have a plan in place that provides for the future of your business should you decide to retire or should you be faced with unexpected circumstances?

Most owners of closely held businesses expect the business will continue to provide an income stream for their families after their death. Unfortunately, the owner's expectations are not always met as only 30-40 percent of family businesses survive the transition to a second generation.

Often it is the liquidity crunch that estate taxes place on the family and business after the owner's death that causes the business succession to fail between generations. FS&S can help you address the relevant business succession issues and develop a plan for business continuity after your death.