Sophisticated Financial Solutions, Extraordinary Personal Service

For more information, please select a service from the accordian. Contact our office to learn more or to schedule a complimentary consultation.

Life Insurance

There are many different types of life insurance. By understanding the client's insurance needs, we are able to recommend the appropriate product.

Types of Life Insurance:
Disability Insurance

Disability insurance provides a monthly benefit (that can exist for life) in the event that the insured is sick, hurt or unable to work in their regular occupation. We help our clients determine which policy has the protection and benefits they need.

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Long - Term Care Insurance

Most long-term care services are not covered by Medicare or traditional health insurance. We help our clients protect themselves against the high cost of in-home or facility care by selecting an insurance policy that includes the care options and benefits that best suit their needs.

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Health Insurance

We design and implement plans for hospitalization, medical and dental care for individuals and businesses, small and large.

An annuity is a long-term contract you purchase from an insurance company. It is designed to help accumulate assets to provide income for retirement. Annuities do have limitations. If early withdrawals occur, penalties may apply and earnings are taxable as ordinary income and may be subject to a 10% federal tax penalty if withdrawn prior to age 59 ½ . They are designed to help protect you from the risk of outliving your income. Through annuitization, your purchase payments (what you contribute) are converted into periodic payments that can last for life.

Tax-deferred annuities: for retirement savings
Deferred annuities can be a good way to boost your retirement savings once you’ve made the maximum allowable contributions to your 401(k) or IRA. Like any tax-deferred investment, earnings compound over time, providing growth opportunities that taxable accounts lack. Deferred annuities have no IRS contribution limits, so you can invest as much as you want for retirement. You can also use your savings to create a guaranteed stream of income for retirement.

Annuities are flexible so you can choose one that enables you to:
  • Invest a lump sum or invest over a period of time
  • Start receiving payments immediately or at some later date
  • Select a fixed, variable or indexed rate of return

Investing involves risk and may lose value. All guarantees and protections are subject to the claims paying ability of the issuing company, but the guarantees do not apply to any variable accounts which involve investment risk and possible loss of principal.

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Estate Planning

We develop estate plans by collaborating with a client’s CPA, attorney and financial advisor. Our knowledge and planning techniques aid in effectively implementing the client’s desires as to the disposition of their assets to their heirs, either during lifetime or upon death. Often, in order to encourage cooperation and full disclosure of pertinent data, it is necessary or helpful to explain to a client what estate planning is, who should be concerned with estate planning, how the federal estate tax laws work, and the mistakes that are commonly made because of lack of proper planning.  .

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Business Planning

Business owners have unique circumstances that require sophisticated insurance strategies.

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Pension Planning

We design and implement qualified retirement plans, including defined contribution and defined benefit pension plans, profit sharing plans, and 401(k) plans. Each plan is designed to provide benefits based upon the individual criteria provided by the business owner/CFO. Each design complies with all IRS and Department of Labor regulations and guidelines.

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Life Settlements

If an insured (age 70+) no longer wants or needs their life insurance policy, it may be possible to sell the policy to a third party and obtain more than the cash surrender value as a fee.

Learn more about Life Settlements
Sophisticated Financial Solutions, Extraordinary Personal Service

For more information, please select a service from the accordian. Contact our office to learn more or to schedule a complimentary consultation.