Broker Check


How We Work

Our firm specializes in helping individuals develop sound retirement strategies. If you are retired – or approaching retirement – please take the time to explore our website and the wealth of information we offer. We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.

We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.

Estate & Asset Protection Strategies

To fully leverage estate preservation opportunities and develop strategies to achieve your distribution objectives, we consider:

  • Will and trust design strategies
  • Property ownership alternatives
  • Estate tax reduction techniques
  • Life insurance analysis
  • Qualified plan distribution
  • Family gifting strategies
  • Charitable planning

Business Owner Planning

Business succession planning, which covers:

  • Identifying the issues surrounding the development of the next generation of management, regardless of whether you plan to sell or keep the business in the family;
  • Deciding when and how to transfer your business and;
  • Minimizing the impact of taxes so your family, your company and your employees are not at risk.
  • Executive compensation planning

Retirement Planning

Our retirement planning services include:

  • Needs assessment
  • Retirement income modeling
  • Benefits analysis
  • Distribution options
  • Long-term care funding options


We leverage the power of technology to drive
our disciplined investment process, which
encompasses these five steps:

  • Advice, consulting and planning
  • Portfolio modeling analysis and design
  • Investment policy statement development
  • Implementation, manager search and
  • Ongoing monitoring, due diligence and

Wealth Management Products*

Our wealth management services are designed to address your unique financial needs. In addition to our comprehensive planning process, we offer a broadly diversified portfolio of high quality investment and insurance products to help assure you that every aspect of your wealth picture is understood and considered as part of your overall financial plan.

Investment and Advisory programs*

  • Separate accounts
  • Multi-strategy accounts (in development)
  • Mutual fund wrap programs
  • Direct participation programs
  • Alternative investments
  • Hedging strategies
  • Variable annuities
  • College funding/529 savings plans

Insurance and Annuities

  • Life insurance and fixed annuities
  • Disability income insurance
  • Long-term care insurance

Employee Benefits

  • Profit sharing, 401(k) & 403(b) plans
  • Group insurance
  • Employer-sponsored life insurance

*Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment Advisory Services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. Krim Associates and any other entity listed herein are not affiliated with Kestra IS or Kestra AS.

For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.  |  201-632-2020