Services We Provide

Retirement Planning

We start by analyzing your retirement goals and looking at multiple avenues that can provide you with a secure retirement income. Stocks, bonds, mutual funds, real estate, debt, tax implications, cash flow (income and expense) current life insurance and annuity policies, and defined-benefit plans (e.g. social security, traditional pensions) will all be analyzed on your behalf.

Estate Planning

We will assist you in developing a comprehensive plan to pass your assets on to future generations. We work closely with Elder Law Attorneys to discuss wills, trusts, beneficiaries, powers of attorney and other documents will be covered in an effort to maximize the value of your estate while reducing taxes and other expenses.

Annuities

Annuities are tax-deferred options that can be used in conjunction with 401(k)s, IRAs and other tax-deferred retirement savings plans. Annuities can create a stream of retirement income for a set period of time or for the rest of your life.

Individual Retirement Accounts (IRA)

IRAs are tax-deferred or tax-free ways of saving for retirement. You can choose from traditional IRAs, Roth IRAs, and 401k rollover options. Virtue has reviewed products from many providers to help you select the type of IRA that best fits your needs.

Traditional Savings and Cash on Hand

Emergencies and urgent circumstances may require access to additional funds. As part of our service, we will analyze your individual, marital and family situation and advise you on the best cash management plan to maximize your investment dollars while maintaining sufficient liquidity.