Independent Financial Solutions

Growth, Protection, and Integrity

Our Services

Income for Life

Our goal with an Income for Life plan is to help you manage your assets to last throughout retirement. We create a road map, designed in partnership with you, using a 4-step process

Eldercare Financial Plan

If you are dealing with a long-term care crisis for an aging parent, the Eldercare Financial Plan will become your roadmap on how to pay for Home Health Care, Assisted Living or Nursing Home costs in the most tax efficient, cost effective way possible.

Estate Planning

Coordination of Legal Documents, Beneficiary Reviews, Wealth Distribution to Family or Charity, we work closely with a team of Board Certified Estate Planning Attorneys to meet all eldercare needs

Tax Planning

Tax Return Review, Strategies to Reduce Tax Burden, Business Tax Efficiencies, Tax Advantaged Retirement Plans, Tax Considerate Elder Care Plans

Investments

Actively Managed Portfolios, Strategic and Tactical portfolios, Income Producing Investments, Non-Correlating Asset Classes, Strategies focused on Protecting Your Principal

Asset Management

For individuals with a minimum investable assets of $500,000 or more (our household account minimum per family), we offer our investment management for a fixed management fee.

Comprehensive Financial Planning

Based upon fee for service, we offer comprehensive financial planning services. These services include a customized cash flow projection for each family, calculations, long term strategic models, and risk management. planning.

Insurance Coverage

Life Insurance, Insurance Needs Analysis, Long Term Care – Health or Life Based coverage, Oversight of Medicare Supplements or Burial Policies, Review of Existing Policies

Retirement Planning

Social Security & Company Benefit Coordination, 401K Rollover Planning, Pension Analysis, Education on Retirement Plan Options, Realistic Goal Setting,

Our Managing Partners

Managing Partner

Morgan N. Marx, CFP®, CLTC®, ChFC®

Managing Partner

Michael A. Schellinger RICP®, CLTC®, NSSA®

FAQs

How do you approach income for life?

We use a comprehensive approach that takes 4 steps:
1. Clearly define and understand your planning needs and goals.
2. Comprehensive analysis and evaluation of all sources of income, expenses, cash flow, taxes, current asset allocation, economic variables and health/longevity risks.
3. Analysis of the facts and creation of a written, comprehensive plan in a language that you can understand.
4. Implementation of plan: Unlike many plans that are only on paper and out of date three months later, our Income for Life plans live and breathe. The impact of the market fluctuations, inflation and healthcare costs on your portfolio can be seen immediately. Upon implementation of the plan, we carefully monitor it to ensure it meets expectations – and communicate the results on a regular basis through periodic reviews and quarterly performance reports.
How do you approach Eldercare Financial Planning

An Eldercare Financial Plan addresses the specific cost concerns you have for your loved one’s care, allowing you to focus on more important areas like providing comfort and emotional support to your family member.
As an integral part of the plan, we investigate government programs such as Medicaid and Veterans Benefits for qualifying veterans to further reduce the out-of-pocket expense for care.
The Eldercare Financial Plan is designed using a 4-step process:
1. Clearly define and understand your loved one’s care needs and associated costs.
2. Comprehensive analysis and evaluation of all sources of income, expenses, cash
flow, taxes, current asset allocation, economic variables and health/longevity risks.
3. Analysis of the facts and creation of a written, comprehensive plan in a language
that you can understand.
4. Implementation of plan: In an effort to achieve the best results from the Eldercare Financial Plan, we will coordinate our efforts with Elder Law Attorneys who will help you with the application for Medicaid and Veterans Benefits when appropriate. Upon implementation of the plan, we carefully monitor it, and communicate with you on a regular basis through periodic review and quarterly performance reports.
What makes you different?

Our experience stems for training other financial planners and insurance agents. We don’t act as an island, we act as a team. We consistently travel to meet with top advisors, we belong to associations, we maintain meticulous data, we hire staff to help communicate with you, we work side by side with other trusted advisors such as CPAs and Attorneys, we believe in C.A.N.I.- Constant And Never-Ending Improvement. PLUS, we are independent meaning we can offer any solution that makes sense.
It’s a rarity that you find both aspects of our involvement with the cutting edge and other advisors and an independent nature.

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Press & News

December 19, 2024

More Than Money: How Planning Reflects Your Love and Responsibility

Your approach to income and protection planning reflects your values and priorities. Let’s examine the Howards and the Fishers.The Howards created a detailed plan that included clear instructions, life insurance policies, and long-term care coverage. When they passed, their family knew exactly how to handle the estate and had the financial means to do so. […]

February 8, 2024

How to Avoid Common Planning Pitfalls

Planning for your future often seems straightforward, especially with the abundance of tools and resources available today. Many believe they can manage everything themselves, using a spreadsheet to track expenses, income, and investments. However, life is far more complex, and the risks of oversights are significant. The contrasting stories of the Coopers and the Martins […]

January 19, 2024

The Hidden Benefits of Income and Protection Planning

Income and protection planning is about more than just securing finances—it’s about creating the freedom to live the life you’ve envisioned. With a strong financial strategy, you gain flexibility, peace of mind, and the ability to adapt to challenges without derailing your goals. The contrasting stories of the Walkers and the Greens show how proper […]

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