SERVICES
Advisory Services - We are dedicated to helping successful people solve complex financial issues, and identify the core values, belief and legacies they want to perpetuate for themselves, their families and their communities. We will help you work to preserve and enhance your assets through financial planning strategies and estate planning strategies.
Annuities - An annuity can provide an income, payable at fixed or variable intervals, either immediately or at a future date. We can show you how you can use an annuity to help secure a source of income for retirement to supplement your future financial needs. See disclosure below #2.
Asset Accumulation - There are many financial vehicles into which portions of your income can flow. Picking the right combination is critical to an asset accumulation strategy. Together, we can determine your financial goals and provide specific protection and investment solutions.
Asset & Income Protection - Assets that take years to accumulate can be consumed in a fraction of the time after a breadwinner dies or when an individual requires specialized care on an extended basis. Life insurance policies are designed with different needs in mind. Whether you are looking for temporary protection, lifelong protection, an efficient transfer of assets through your estate, or cash value accumulation, our experience in personal life insurance can help you protect what is important to you, secure your future and improve your life. See disclosure below #2 and #3.
Business Needs Analysis - Business owners have special needs. We can help you anticipate those needs whether they are group insurance plans such as health insurance, life insurance, disability insurance, dental insurance, vision insurance, long-term care insurance or worksite employee benefits. We can also help with group retirement plans such as 401(k) plans, Roth 401(k) plans, 403(b) plans, 457 plans, profit sharing plans, SIMPLE IRA's, SEP Plans, Voluntary Payroll Deduction Plans, Salary Contribution, or Keogh Plans. Lastly, we can help with executive bonus plans to attract and retain key executives, or insurance to protect you and your partners in the event of death or disability. We will help you develop a strategy that can address your specific financial objectives.
Business Consulting - In the fast paced world a solid foundation for long-lasting sustainability is often neglected, especially after operating for several years. The need to innovate is critical, such as IBM and their typewriter. We can help develop and implement systems to help the company last for generations. This is done by studying the business from an outside perspective while concurrently looking at the operational parts within the company. Having happy employees and customers will lead to a happy owner and a long lasting company.
Business Industry Experience - We can work with any industry, but focus primarily in family-owned businesses, school districts, nursing home facilities, funeral home, clergy, retail companies, start-up businesses and professional partnerships such as accountants, attorneys, dentists and doctors.
Disability Income Insurance - Disability insurance can protect one of your most valuable assets; your ability to earn an income. A disability could suspend or terminate your income for an extended period of time. It may force you to close your business.
Education Funding - With the cost of higher education rising faster than the rate of inflation, many families wonder how tot prepare for this expense. Education funding can help you explore the better possible alternatives for saving the money you need to sent your children or grandchildren to college.
Financial Planning - Long-term financial success doesn't happen by chance. Each area of your financial life can have an impact-positive or negative-on your other goals. Understanding these interrelationships is important as you deal with ongoing economic issues. Financial planning is a life-long process that assists you and your family in taking control of your financial future. By setting financial goals, developing strategies and monitoring the progress on a regular basis, the likelihood of achieving your results is greatly increased.
Investment and Advisory Services - Effective wealth management requires extensive knowledge about the vast array of investment products and services available in today's markets. We can help you implement an investment strategy suited to your needs and build an investment portfolio that compliments your other financial commitments.
Long-Term Care Insurance - Long-Term Care insurance provides benefits in the event of a long-term illness or injury. Owning a long-term care insurance policy also can provide you choices in deciding where or how you receive care. We can help you prepare for this situation with long-term care insurance.
Personal Needs Analysis - Financial independence is often a major objective in each of our lives. How financial independence is defined varies from family to family and individual to individual. Through a personal needs analysis, we will let you know where you stand relative to where you want to be, and provide you with specific strategies that can help make your goals a reality.
Retirement Strategies - Longer life expectancies and early retirement make sound insurance and investment choices essential. Due to the increasing number of choices and ever-changing tax laws we will help you prepare to enter your retirement years. Pension plans, 401(k) and 403(b) plans, IRA's, Roth IRA's, mutual funds and annuities, as well as variable and portfolio-based life insurance are just some of the alternatives available to you. See disclosure below #3.
Succession Planning - Creating a smooth continuation of a business from one generation to the next involves many facets. We help businesses transition key employees, other companies or younger generations without creating huge disruptions in the day to day operations of the business. We put together different financial ideas and models to fund the outgoing generation without bankrupting the incoming generation.
Disclosure 2
-Withdrawals may generate an income tax liability. Loans or withdrawals reduce death benefits and cash value. The cost and availability of life insurance depend on factors such as age, health and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications-
Discloser 3
-These additional advantages on a life insurance contract are purchased through additional riders or benefits which typically is associated with an additional fee or higher mortality and expense charges.