David and Zach are committed to helping you pursue your long-term financial goals. With a focus on retirement planning and estate conservation, we can help you answer the questions you may have about your financial future, such as:

• How do I leave my money to my family in the best way?
• Will I be able to retire early?
• How much money will I need in order to retire?
• Are my estate documents doing what I want them to do? 
• Should or can I give to charity?
• Should I do a Roth Conversion? Why, and How much will it costs or save me?
• What are my options with my TSP or TERI plans?
• Am I taking my Social Security at the right time?
• How can I avoid IRMMA?
• What are my 401(k) plan distribution options?
• Should I have a traditional IRA or a Roth IRA?
• Do I need or have enough disability income insurance? Life Insurance? Long-Term Care Insurance?
• How can I ensure that my children receive as much as possible from my estate?
• What do I need to know about wills, trusts, and probate?
• And much, much more. 

We offer financial products and services tailored to your individual needs. David and Zach are committed to you for the long term. The list below covers a lot of services, but does not include all accounts or services available. We prefer our new clients have $500,000 minimum of investable assets. 

For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice