AJ works with individual clients throughout all life stages. From budgeting and savings plans, to education planning and insurance, and finally retirement and estate planning, AJ helps clients organize, prepare and execute their financial plans. He also works with business owners to define and implement retirement plans of all sizes to help ensure responsibilities of the business owner are fulfilled. Whether working with individual clients, business owners or plan participants, AJ focuses on personalized strategies with an eye on risk management through proper diversification and asset allocation.