John Hancock

PLANNING TODAY TO ENSURE TOMMORROW!

As a Capitol Financial Solutions professional and active member of my community, I am dedicated to helping individuals and businesses build their financial futures. To stay on top of my field and develop my professional skills, I've regularly attended industry training and certification programs. This includes completing the multidisciplinary curriculum, and passing the examinations for the designations Certified in Long Term Care (CLTC) and Life Underwriter Training Council Fellow (LUTCF).

CLTC is a designation granted by the Corporation For Long-Term Care Certification.  The CLTC program is recognized by state regulators as having provided essential information necessary to the appropriate sale of long-term care insurance. 

The LUTCF is conferred only upon those individuals who meet or exceed the exacting qualification standards determined by the two organizations that jointly sponsor the designation, The American College and the National Association of Insurance and Financial Advisors (NAIFA). The designation marks an advisor’s long-term commitment to professionalism on behalf of clients, establishes competence and business experience, marks a commitment to the governing body’s Code of Ethics and fosters additional professional development.

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Capitol Financial Solutions has been helping individuals, families and businesses realize their financial goals for many years.  Our office has a team of over 50 experienced professionals who are licensed and trained to help you accomplish your financial objectives.  Our reputation is based on the strong relationships we have formed with our clients and our commitment to excellence in all that we do.

Founded in 1862, John Hancock currently:

  • Has one of the most highly recognized U.S. insurance brands - with a 95% consumer awareness*
  • Offers a wide range of innovative life and long-term care insurance products, annuities, and mutual funds
  • Has earned the Insurance Marketplace Standards Association (IMSA) designation, which represents high ethical standards and sound market practices in the individual insurance industry 

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My education, experience and professional affiliations and company have fostered my practical approach to offering financial services and advice to my clients. Rather than just recommending a hodgepodge of unrelated products, first I'll consider your specific financial goals and investment objectives.

Working together, we'll formulate a strategy to help you achieve your goals. Then I'll recommend the appropriate products and services to help you execute your strategy.Maintaining a strong sense of community and a solid professional foundation are very important to me.  

Lifetime Earnings

This calculator is designed to help you attach a dollar figure to your life’s work.

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.

Personal Inflation Rate

Is your personal inflation rate higher or lower than the CPI?

IRA Eligibility

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

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HOT TOPIC: What's Ahead for 2010?

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Patching the Alternative Minimum Tax

The future of the AMT is uncertain, yet it is important to consider the possible effects of the AMT on your tax situation.

Insurance for Your Whole Life

If your situation calls for life insurance coverage that extends beyond your working years, it might be time to consider whether permanent life insurance would be appropriate.

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