As a full-service financial planning company, BFA, Inc. provides objective advice and competitively priced services in the following areas:

Investment Management

• Risk tolerance testing
• Asset allocation study
  
• Portfolio management on a fee-only basis
  
• Managed Futures*
  
• Individual stocks and bonds*
  
• EE & HH Savings bonds
  
• Real estate limited partnerships and REITS*

 ^*Securities offered through Cambridge Investment Research, Inc.

Risk Management

• Medicare/Medicaid planning  
• Disability income insurance
  
• Life insurance
  
• Long-term-care & Nursing Home insurance
  
• Personal and Business liability (umbrella) coverage
  
• Health insurance
  
• Medical Savings Accounts (MSA)
  

Retirement Planning

• Retirement cash flow study
  
• Social Security benefit estimates
  
• IRA and IRA rollovers
  
• Pension plans
  
• 401(k) plans
  
• Simplified Employee Pensions (SEP)
  

Estate Planning

• Simple wills and Guardianship of children
  
• Living wills, right-to-die and medical directives
  
• Estate tax analysis and calculations
  
• Use of Trusts to reduce estate and inheritance taxes
  
• Power-of-attorney
  
• Last-to-die (survivorship) life insurance
  
• Irrevocable life insurance trusts

Financial Planning Services

• Mortgage refinance analysis
  
• Cash flow and budgeting
  
• Credit card and consumer spending counseling
  
• Analysis of corporate downsizing severance packages
  
• Coordination of attorney, CPA or tax consultants to form an effective professional service network
  
• Ongoing monitoring of client's financial strategy and implementation of financial plan

Community Outreach

• High School Investment Club program
  
• American Cancer Society support and speaker programs
  
• PreCana Speaker on "The Financial Planning of Marriage"