• Are you unsure how to leverage your retirement savings for the long haul?

  • Is it time to start saving for your child’s college education?

  • Is it time to start saving for your child’s college education?

We are a team of independent financial advisors who apply a holistic perspective and take a personalized approach to financial planning and wealth management. By understanding your specific needs and desires, our team is able to design a plan that aligns with your personal values and financial objectives.​​​

MEET THE TEAM

Our team of Certified Financial Planners™️ help our clients pursue their ideal financial futures while staying on course for the long haul.

AARON M. PUCKETT

MBA, CFP®

“I love being able to sit down with someone, get to really know them, and help them to plan accordingly.”

DEBORAH A. WILLIAMS

CFP®

“It’s amazing to get to work with someone over a span of twenty years and watch them pursue the financial plans we’ve helped them to implement.”

DAVID A. HEMLER

MS, MPAS®, CFP®

“We help our clients take a disciplined approach to their finances which results in the pursuit of their dreams and things they didn’t think were possible.”

JACOB L. STURGILL

CFP®

“Each person is different and helping someone to make the choices that are best for them is what is most important.”

PAUL SORENSON

FINANCIAL PLANNER

“Getting to know each client individually and then helping them pursue their goals and passions is an incredible privilege.”

HOLLY N. PAYNE

CLIENT SERVICE SPECIALIST

“Every person who calls or visits us is important to me. Whether it’s someone I talk to all the time or someone I’m meeting for the first time.”

ROBIN COLE

CLIENT SERVICE SPECIALIST

“I understand the importance of being timely and efficient when working with our clients. We want to ensure that every client feels like they are being taken care of.”

DEBORAH L. ANDERSON

CLIENT SERVICE SPECIALIST

“We take pride in serving our clients and caring for our clients just like family.”

DAWN COMBS

CLIENT SERVICE SPECIALIST

“I love connecting and assisting our customers to form lasting relationships.”

GINA PUCKETT

CLIENT SERVICE SPECIALIST

“Life changes often and not always as expected. I enjoy staying connected to our clients, so we can help them navigate any and all of life’s changes.”

VOTED CARROLL COUNTY’S BEST INVESTMENT CENTER

OUR SERVICES

FINANCIAL PLANNING INVOLVES MANY ELEMENTS AND OUR RECOMMENDATIONS SEEK TO HELP YOU SAVE WISELY, INVEST DILIGENTLY, AND LIVE CONFIDENTLY.

  • Create Retirement Income
  • College Saving Strategies
  • Estate Planning
  • Financial Strategies for Business Owners
  • Insurance Analysis
  • Increasing Tax Efficiency

We Seek to Help You Maximize Your Savings to Create Lasting Retirement Income

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We Help You Understand Choices for College Education Funding

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We Help You Devise a Plan for Those Who Matter Most

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While You Plan for Your Business, We Help You Plan for Your Own Financial Future

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We Help You Mitigate Risk and Protect What You Have

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We Strive to Help You Produce the Same Results but with Less Taxes

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Download Our Retirement Planning Guide E-Book

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2020 OUTLOOK

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    FREE INSIGHTS FROM THE P&S TEAM

    Beyond Retirement: Consider Your Other Goals

    When it comes to financial stability, people tend to focus on paying off debt and saving for retirement. In reality, many other financial goals beckon to individuals during their lifetime. Because of this, it’s important to look beyond retirement when setting targets, no matter how old you are. Identify Future Objectives While it is never too early to start planning for retirement, waiting until you reach 65 years or older to truly live is a mistake many people come to regret. A number of exciting possibilities are waiting for you throughout your life: Building an emergency fund Creating and growing passive income Starting a business Owning a home Becoming debt-free Raising a family Consider Income Some people start their careers making six figures or more; this is rare. By about 25 years old, making $35,000 or so is a reasonable expectation. If your salary increases follow the historical rate and you have no major employment gaps, you could earn almost $2 million by the time you’re ready for retirement. Without a doubt, $2 million is a lot of money. If you take a second look at the list of potential financial goals, however, it begins to lose its comparative value. For instance, the current cost of a starter home is anywhere from $150,000 to $250,000. Similarly, student loans are one of the biggest obstacles to a debt-free life. The average student loan debt is $29,800. Create a Plan If you’re starting to feel discouraged, the good news is that money isn’t a static asset. It has the potential to grow and do some of the work for you by creating passive income. In fact, people who begin to invest in

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    Here Comes the Earnings Boom

    Fourth-quarter earnings season is in the home stretch, and it’s been a good one. After raising our 2021 earnings forecast for the S&P 500 Index in our Weekly Market Commentary on February 8, our upgraded forecast may now be too low, based on what we have learned from corporate America during the three weeks since. In this commentary, we recap earnings season and share our latest thoughts on just how strong the earnings rebound could be in 2021 and beyond. Outstanding Numbers in the Fourth Quarter Coming into fourth-quarter earnings season, investors had plenty of reasons to expect that companies would deliver better-than-expected results. The US economy grew at a solid 4% annualized pace in the fourth quarter (source: Bureau of Economic Analysis GDP data). Strong manufacturing surveys signaled better earnings ahead. Analysts’ earnings estimates rose during the quarter, as companies issuing fourth-quarter guidance mostly raised expectations. Now that all the numbers are pretty much in the books (93% of S&P 500 companies have reported results), it’s clear that optimism was warranted as earnings impressively grew during the quarter [Figure 1]. In our earnings preview on January 19, 2021, we wrote: Consider that the bar has been raised substantially over the past two quarters, making it tougher to clear. That probably takes positive earnings growth off the table, but a low-to-mid single-digit decline in earnings would be a positive outcome, especially if forward estimates hold up as fresh guidance is provided. After the bar had been raised, with the prior two quarters following similarly strong results compared to expectations, it made a lot of sense to expect more limited upside as estimates catch up to reality. But it turned out another quarter of

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    Tips for Tax Preparation

    In 2020, the government gave taxpayers an automatic six-month extension due to the coronavirus. Individuals who were affected by the damaging wildfires were also given additional time to meet most tax deadlines. However, in 2021, the deadline for submitting your income tax return is likely to return to the regularly scheduled time slot on April 15. To avoid a potential late filing penalty, you need to be ready by this date. To prepare to file your 2020 income tax return, keep the following tips in mind.  1. Identify All Income Sources If you work for an employer, you will need to report the wages noted on your Form W-2 (Wage and Tax Statement). To avoid penalties, your employer is required to provide you with this form by the last day of January, but you can estimate the numbers by viewing your last paystub of the year. Since January 31st fell on a Sunday in 2021, employers had until February 1st to provide your Form W-2.1  As a small business owner, self-employed person, or freelancer, your income is your revenue (or 1099 income) minus your business expenses. However, instead of noting the final number on your return, you will need to fill out a schedule that displays both your revenue and expenses. It is important that you comb your records carefully to ensure all expenses are accounted for.  2. Decide If You Can Itemize Instead of paying income tax on all of your income, you’re able to deduct a certain amount of income and only pay tax on the remaining amount. All taxpayers are given the choice of claiming the standard deduction or itemizing. For the 2021 tax year, the standard

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