Taxes

• Tax Planning
  For many of our clients they save most of their annual fee through careful tax planning, cost effective investment management, and access to low  cost providers of  financial services. Remember, people that develop a comprehensive financial plan usually achieve their goals in 1/3 less time than people without a plan.
• Tax Services
• Income Tax
  Income Tax Evaluation A thorough examination of your current tax scenario helping you minimizing your tax liability. I also help identify and create opportunities to redirect any cash flow savings into your retirement accounts. Your accountant will participate in reviewing these recommendations prior to implementation.

Investment

• Investment Management
• Mutual Funds
  Cliff was also responsible for delivering personal and small business financial services through as many as 23 branches offices. He led the introduction of mutual funds through branches as an alternative to traditional banking services, and is intimately familiar with the needs of  both these markets, and how prudent financial and investment advice make a positive difference.

Accounting

• Accounting Services
• Cash Flow Analysis
  Cash Flow Analysis Evaluates your use of income in the areas of debt reduction, budget planning and establishing savings.

Planning

• Financial Planning
  Cliff Straub is a Certified Financial Planner ™ and independent Registered Investment Advisor Representative located in Middletown, Connecticut. He is the President and Principal Advisor of Lifestyle Financial Strategies, LLC, a fee-only financial planning and investment advisory practice. He helps clients achieve greater clarity, better control and higher confidence for their financial lifestyle.
• Retirement Planning
  Retirement Planning I help you answer the question, "How am I doing?"...and even more important, "What more can I/we do" Evaluation of your current retirement savings, and alternative strategies to help ensure greater financial security throughout retirement. I will assist you in building the financial resources needed to generate income for a memorable retirement.
• Long Term Care
  Complementing his experience and training, Cliff has dedicated himself during the past 20 years to numerous non-profit organizations. He has served on many of these Boards of Directors in the capacity of  President, Treasurer, and Investment Committee member. Some of these organizations include Rideworks of  Greater New Haven, Shoreline Alliance for the Arts, Dutchess County Mental Health Association, Habitat for Humanity, and Alderhouse Residential Services. Currently he serves on the Board of Directors of Middlesex United Way and President Emeritus of  St. Luke’s Elder Care Solutions. Cliff is also a member of Rotary International.
• Asset Management
  Investment Policy Statement Documents how your portfolio will be managed, establishes guidelines for asset allocation and investment selection, as well as performance expectations.
• College Funding
  Education Planning It's no small task to pay for a college education. I calculate the monthly savings or lump-sum investment needed to meet your goal, as well as help you select the education plan best suited to save for a future education goal.