Personal Planning

Mutual Funds

Variable Annuities

Fixed Annuities

Single-Life Annuities

Joint and Survivor Annuities

Stocks – Ownership of a corporation indicated by shares, which represent a piece of the corporation’s assets and earnings.

Bonds – are debt and are issued for a period of more than one year. The US government, local governments, water districts, companies and many other types of institutions sell bonds. When an investor buys bonds, he or she is lending money. The seller of the bond agrees to repay the principal amount of the loan at a specified time. Interest-bearing bonds pay interest periodically.

Stock Option Analysis and Planning –

  • Buy-and-hold strategy- A passive investment strategy with no active buying and selling of stocks from the time the portfolio is created until the end of the investment horizon.
  • Active portfolio strategy- A strategy that uses available information and forecasting techniques to seek better performance than a buy and hold portfolio.

Retirement Planning – Retirement needs modeling for selected retirement ages and rates of return; Restructuring of assets to support retirement needs; IRA minimum required distribution (MRD) tax planning; Education on Medicare, Medicaid and long term care.

Family Planning – College and private school planning; Planning for weddings and other personal family goals; Planning for elderly family members, disability and divorce.

Individual Retirement Accounts (IRA’s) – Contributions to a traditional IRA are deductible from earned income in the calculation of federal and state income taxes if the taxpayer meets certain requirements. The earnings accumulate tax deferred until withdrawn, and then they are taxed as ordinary income. Individuals not eligible to make deductible contributions may make nondeductible contributions, the earnings on which would be tax deferred.

Roth IRA – A nondeductible IRA that allows tax-free withdrawals when certain conditions are met. Income and contribution limits apply.

Spousal IRA’s – An IRA designed for a couple when one spouse has no earned income. The maximum combined contribution that can be made each year to an IRA and a spousal IRA is $8,000 (in 2007) or 100 percent of earned income, whichever is less. This total may be split between the two IRAs as the couple wishes, provided the contribution to either IRA does not exceed $4,000.


Securities offered through Securities Service Network, Inc., member FINRASIPC.  Strategic Planning Services is not affiliated with Securities Service Network or registered as a Broker-Dealer or Investment Advisor.