Our Services

Financial Planning is the frame work for all the other areas we work in.  It helps us determine what tools and strategies should be used for your situation.  What is very unique about On Target Financial is that we can help with most any financial situation you may come across.  From time to time we come across situations that are out of our area of expertise, for these we connect you with the most appropriate professional.

Financial Planning
We evaluate each financial situation and work together to develop and implement a personal financial plan that will help you stay on track and optimize long term results.

Investment Advice & Planning
At our firm we use a unique investment approach to offer you more than just traditional financial management.  We take a holistic approach to managing your life and your wealth.  We are committed to making recommendations that are independent, reflecting only our assessment and analysis.

Retirement Income Planning
You spend your entire working career saving for retirement.  Once you reach retirement how do you recreate the paycheck?  You don’t want to outlive your income and we want to make sure you don’t.

401(k) & Other Plan Rollovers
We often find clients leave assets behind with their previous employer.  This may or may not be a good idea.  There are several options available to you as an investor and we want to make sure you make the best decision based on your goals.

IRAs & Roth IRAs
Which one is right for you?  Each has their advantages and we can help you decide if one of these vehicles makes sense.

Education Planning
Many people want to help their children pay for the skyrocketing cost of a college education, but may be doing so in a savings account.  At OTF we help you identify the best plan for you such as a 529 Plan, Coverdell IRA, or Roth IRA to name a few.

Protection Planning
How secure is your family’s future if you are unable to work or are deceased?  Insurance is an important part of any financial plan.  We look at gaps in coverage on disability income, life insurance and even long-term care to determine an appropriate need.

Income Tax Planning
While we are not accountants it doesn’t mean that we can’t help you plan from a tax perspective.  There are many tools and strategies we can utilize to help with tax consequences now or in the future.

Estate Planning & Charitable Giving
Often the most overlooked & important area of one’s financial picture.  We don’t prepare Will/Trust documents but rather help you understand what would happen in the event of a death and prepare accordingly.