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Asset Management

Asset Management

We focus not simply on the amount of wealth one can build, but the flexibility and benefits one can derive from that wealth when it is truly needed.

It is our belief that the idea of On-Point Financial specifies that a framework is leveraged to allow for the most efficient financial decisions to be made over a lifetime. Nowhere is this principled approach needed more than in the area of Asset Management. Staying true to time-tested investment ideas, rather than being controlled by emotions – our team is committed to this idea.

Portfolio assets, whether they are in retirement accounts or after-tax accounts, should be viewed in the context of an overall financial strategy. This allows for a more impactful view of how to allocate the assets, how to maximize the use of the money, how to minimize the loss of wealth to unnecessary taxation, and finally how to pass along assets in the most efficient manner to our clients care about most.

Business Planning

Business Planning

As a business owner, you may face any or all of the following:

  • Key employee incentives
  • Rapid expansion
  • Employee retention issues
  • Legal issues
  • Business continuity concerns in the event of a disaster
  • Retirement
  • Sale of the company

On-Point Financial works with business owners who realize they can’t do it all themselves. You have a business to run. Let an On-Point advisor work with you to determine what you need in order to develop a plan to help meet financial goals, retain employees, purchase business assets, or prepare for a sale—all while reducing your exposure to the unknowns that present themselves in today’s business climate.

Corporate Retirement Planning

Corporate Retirement Planning

  • Traditional 401(k) and profit-sharing plans
  • Safe Harbor Plans
  • SEP and SIMPLE Plans
  • Non-Profit, Hospital and School System Plans – 403(b) plans
  • Municipalities – Deferred Compensation 457 plans
  • 401(a) Defined Contribution Plans for Municipalities
  • Defined Benefit Pension Plan asset management
College Planning

College Planning

Our goal is to help parents understand the rules of saving for college as well as the best tools available for their specific situation. We will implement a savings strategy using:

  • 529 Plans
  • UGMA Accounts
  • Universal Life Insurance
  • UTMA Accounts
  • Whole Life Insurance
Estate Planning

Estate Planning

We vow to ensure that our client's hard-earned legacy is preserved for generations through proper planning using the following concepts:

  • Estate Analysis
  • IRA Distribution Planning
  • Gifting
  • Properly Funded Trusts
  • Charitable Giving
  • Special Needs Planning
Employee Benefits

Employee Benefits

On-Point Financial works with business owners to understand the benefit needs of their employees and to analyze and offer the programs best suited to meet them. From group health and other benefits to individual medical plans, we provide products and services designed to protect you and your employees from risk while maximizing wealth-building strategies for the individual business owner.



At On-Point Financial, we understand people's life insurance needs change over time. While a high death benefit may be needed during the years of mortgages and young children, a larger cash savings plan may be desired for retirement years.

We review our clients' individual needs along with their current insurance to make certain they are not only protected from a premature death, but are also using the living benefits offered through life insurance.

Insuring yourself and your property is an essential part of life. On-Point Financial Services can help you. We offer insurance products from leading insurance companies. We offer 20+ years of service experience to put these products to work the right way for you and your family.

  • Home
  • Auto
  • Life
  • Disability Income
  • Long Term Care 
  • Health Insurance


At On-Point Financial, we understand that as our clients become eligible for Medicare, the array of choices can often lead to confusion and uncertainty. Ultimately, what you want is simple: good healthcare and the ability to maintain it at an affordable price. That is why we have partnered with several Medicare specialists to help you with your Medicare questions.

Retirement Planning

Retirement Planning

We help our clients both accumulate retirement assets as well as transition into retirement knowing they have security for life using:

  • Traditional, SIMPLE and Roth IRA’s
  • Individual 401(K)’s, SEP,s
  • Non-qualified Investment Accounts
  • Fixed, Variable and Fixed Indexed Annuities
  • Whole or Universal Life Insurance
  • Long Term Care Planning