Welcome to our Web site, where you’ll find a wealth of information in the form of newsletter articles, calculators, and more for individuals, families and businesses.

If you are an individual, this Web site will help you understand the opportunities and potential rewards that are available when you take a proactive approach to your personal financial situation.  We also provide information that may help employers find ways to maximize employee benefits plan.  For the small business owner, we hope our Web site will help you understand and manage the risks associated with owning a business.

We have created this Web site to help you gain a better understanding of the financial concepts behind insurance, investing, retirement, estate planning, and wealth preservation. Most important, we hope you see the value of working with skilled professionals to pursue your financial goals or to help your employees pursue their financial goals.

We’re here to help educate you about the basic concepts of financial management; to help you learn more about who we are; and to give you fast, easy access to market performance data. We hope you take advantage of this resource and visit us often. Be sure to add our site to your list of "favorites" in your Internet browser. We frequently update our information, and we wouldn’t want you to miss any developments in the areas of personal finance and employee benefits.

Jerry “Bud” Milligan, MBA

Financial Advisor


  • A Map for Your Family

    A letter of instructions can help guide family members through the many steps that need to be taken after the loss of a loved one.

  • Cleaning Up Your Financial Records

    Make it easier to find financial documents when you need them with these organization tips.

  • Orchestrating an Exit

    Devising a written business succession plan could ultimately benefit the owner, the owner’s family, and possibly the employees.

  • Making Sense of Auto Financing

    Buyers who intend to finance a new car purchase should generally shop carefully for the best price and terms.


  • IRA Eligibility

    Use this calculator to determine whether you qualify for the different types of IRAs.

  • Retirement Plan Early Distribution

    Estimate how much would remain after paying income taxes and penalties if you took an early distribution from a retirement plan.

  • Net Worth

    A balance sheet summarizes your assets and liabilities and reveals your net worth.

  • Loan Payoff

    How much will it cost to pay off a loan over its lifetime?