Welcome to our Web site, where you'll find a large array of information regarding the services we offer and how we can help you with your financial situation.

HCLSM 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 importantly, we hope you see the value of working with skilled professionals to pursue your financial goals. 

The life insurance products and wealth transfer services that our financial professionals offer clients help them formulate a plan with the goal of growing and preserving their wealth over the course of their lives, planning for charitable giving, and developing a plan for their continuing legacy.

We're here to help educate you regarding the basic concepts of financial planning, to help you learn more about who we are, and to give you fast, easy access to market performance and data.

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

Cash Flow Analysis
This Cash Flow Analysis form will help you weigh your income vs. your expenses.

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

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

More Calculators>>>

For Better, For Worse: Communicating About Retirement
A recent study indicates that couples are not communicating clearly about retirement goals and strategies, even as they approach retirement age. This article offers suggestions to open a dialogue and encourages couples to discuss their retirement needs and desires with each other and with their financial advisor.

Tax-Efficient Investments for the Tax-Averse
Raising taxes is one of many ideas that have been proposed to help reduce mounting federal budget deficits. Readers who are concerned about the prospect of higher taxes in the future may want to consider the tax advantages associated with municipal bonds and tax-exempt mutual funds.

Tips for Surviving the Estate Tax
The federal estate tax was reinstated retroactively to January 1, 2010, by the 2010 Tax Relief Act. However, the favorable provisions are scheduled to expire at the end of 2012, when estates exceeding $1 million could be subject to the federal levy.

Never Retire? Don't Count on It
In a recent survey, just 40% of wealthy individuals indicated they are totally confident they will have enough money for retirement. The other 60% said they will shun traditional retirement and work as long as possible. However, it could be dangerous to believe that a retirement income shortfall can be overcome by working past the traditional retirement age.

More Newsletters>>>