Financial Planning
  Wealth Management  
 Investment Management

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CLIENTS:  Access and Helpful Tools 

  • Links to your advisor's e-mail
  • Account access tools
  • Financial calculators
  • Financial planning tools
  • Newsletters and E-seminars 
  • Articles on a variety of topics                                      

 VISITORS:  Information about our firm
 

  • The "About Us" section to the right
  • Initial Consultation (at no cost) to answer
    any of your     questions about Financial Planning,
    Wealth Management or the approach we take
    with our clients.
  • "DO I NEED FINANCIAL PLANNING?"  CLICK HERE 
    to access a questionnaire that can help to clarify your
    true need for the services our firm provides


SHOPPING FOR A FINANCIAL ADVISOR?

~  The "Financial Planner Questionnaire"  This tool helps you understand and compare differences between various financial professionals.  The questionnaire can guide you through the important issues and make sure you're asking the right questions.  Please Call or e-mail us for a free copy of the questionnaire along with a copy with our responses for comparison.


Thank you for visiting our site!!  

Todd C Terhorst 
CFP, CLU, ChFC, AAMS, CRPC, CFEd, AWMA, CMFC
President and Managing Partner

Securities offered through Securities America Inc., Member FINRA/SIPC, Advisory services offered through Securities America Advisors, Inc., Diversified Wealth Management, LLC. and Securities America, Inc. are unaffiliated.  We are licensed to offer insurance in AZ, CO, FL, MN, ND, NY, SD and WI, and licensed to offer securities in AR, AZ, CA, CO, FL, ID, IL, IN, KY, MA, MN, MT, NC, ND, NE, NM, NV, NY, OR, PA, SD, TX, WA, WI and WY.
www.finra.org
www.sipc.org
Calculators

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

Risk Tolerance

This calculator is designed to help you clarify your comfort level with investment risk.

College Funding

Use this calculator to estimate the cost of your child’s education, based on the variables you input.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

More Calculators →

Newsletters

Protect Your Business with a Disaster Readiness Plan

Most people think of hurricanes, tornados, and earthquakes as events that could seriously affect the operations of a business and result in shortages of goods and materials. But even a fire or a flood in the warehouse can cause operations to come to a grinding halt. By one estimate, one-quarter of businesses never reopen after a major calamity.

Using Living Benefits for Retirement Income

Many Americans are finding it difficult to predict how much they can save by retirement. Because traditional pensions are available to just one out of three workers today, a potential way of creating a guaranteed income stream in retirement is to purchase the guaranteed living benefits that are available with some variable annuities.

Building a Business Versus Building Wealth

The market for small businesses has been less than ideal over the past few years. Thus a business owner's efforts to build a successful business may not always translate to an increase in personal wealth. One way to insulate a business owner's personal financial situation from the fluctuating small-business market is by investing outside the company.

Growth, Value, or Both

The average annual return for large-cap value stocks was about 2.1% higher than for large-cap growth stocks, yet growth stocks outperformed value stocks in 13 out of 30 years. This article examines the difference between the two approaches and describes why holding both may help investors take advantage of a variety of market conditions.

More Newsletters →