Financial Planning

Financial planning is a process, not a product. It is the long-term method of wisely managing your finances so you can achieve your goals and dreams, while at the same time negotiating the financial barriers that inevitably arise in every stage of life.

I employ a goals – based financial planning process with my clients.  The process is all about YOU!  It’s about managing your financial goals and financial independence for your family!  It is a collaborative process which is very thorough and requires a commitment from both the client and planner.  Financial planners are held to a fiduciary standard of care in which the client’s interests must be placed first.  People at all stages of life can benefit from financial planning. 

Retirement Income Planning

What percentage of my pre-retirement income will I need to maintain my standard of living in retirement?  When would be the optimal time for me to collect Social Security?  Is my retirement income too reliant on financial markets?  Should I purchase an annuity?  Which pension option should I elect?  Unfortunately, there are no easy "one size fits all” answers to these questions.  The answers depend on each individual’s personal and financial circumstances.  Retirement income planning is a specific subset of financial planning which seeks to address these questions.  Helping clients fund and secure a comfortable retirement is an important part of the work at JBM Health & Wealth Consulting.

Investment Management

Many clients seek help in managing their investment portfolios.  Clients of JBM Health & Wealth Consulting have access to comprehensive investment products and services through LPL Financial.  Through a collaborative process, I help clients find the right mix of stocks, bonds, mutual funds, ETF’s and annuities to pursue accumulation and distribution goals.  As an independent advisor, I have access to the full range of institutions in developing financial portfolios. 


A financial plan is only as strong as it’s foundation.  This is where protection products are needed and play a crucial role.  Helping clients recognize the important role of insurance and incorporate it into their financial strategy is an important part of my work.  Clients of JBM Health & Wealth Consulting have access to top companies for life, disability and long-term care insurance.  As an independent life & health broker, I can help clients acquire the appropriate policies for their specific situations. 

Medicare Insurance Plans

What are Medicare Parts A, B, C & D?  What’s a Medicare Advantage Plan?  What’s a Medicare Supplement or Medigap Plan?  When do I need to enroll?  What about late enrollment penalties?  Extra help?  Medicaid?  Are my doctors & medications covered?  What about extra benefits such as dental, hearing and vision? 

The vast array of Medicare insurance options can be confusing and overwhelming.  An important of my business is helping people choose the best plans for their specific needs.