Totman Financial Services

I've been in the financial services industry for over 20 years, providing individuals and small business owners with the plans they need to reach their financial goals. This includes providing guaranteed income streams in retirement, business continuation planning, long term care and legacy planning for families. As an Investment Advisory Representative.

I can assist individuals seeking professional portfolio management services which are fee based. This is a multi step process. To start, I assist in identifying investment goals, risk tolerance, liquidity needs, time horizons, and other relevant factors through a fact finding process. Using the results, I assist in the selection of an appropriate portfolio model and manager.

After the managed portfolio is established, I meet with clients periodically to review performance and consider changes if their situation dictates. Specialties Retirement planning (both accumulation and income phases), Long term Care planning, Legacy Planning, Business Continuation Planning, Executive Benefits, 401(k).