Welcome! This Virtual Profile Page is meant to assist you, our clients, on a no fee basis, in addressing questions you have that we would normally address for a fee. Going forward, our objective is to eliminate time we charge for answers to questions that, with some guidance as provided on our website, you can entirely or substantially resolve on your own. Some areas of finance, taxation and business are simply too complex to be resolved by only the tools and articles in a website. However, if you have such a question, the site will provide you with, or lead you to, the background information and identify the required information we need, for your presentation to us, so that we need only address and charge a fee for the technical aspect of your question. In this site you will find significant information but we draw your attention to Life Cycle Events under the Info Center tab. We believe you will benefit greatly from tax planning and advise contained therein.