Services & Solutions
Life insurance
As there are various types of life insurance, we customize a plan to meet your financial needs and goals. Life insurance can financially safeguard your dependents and survivors in the event of your premature death. Allow your family to maintain its standard of living by protecting them against financial loss should untimely death occur.
Estate planning
The importance of managing your asset base prior to incapacitation or death cannot be overstated. Preparation tasks such as the bequest of assets to heirs and limiting estate taxes can help protect your loved ones from additional financial burden after you pass away while providing you with assurance of their future financial well being.
Investments
Strategic investments are an important part of any wealth management plan. Our focus is to educate and guide you to those that are best suited to help you meet your financial objectives. Whether it's stocks, bonds, mutual funds or other investments, our goal is to ensure that your money works for you as you move through the stages of earning, preserving and preparing to enter retirement.
Life Settlements
Your financial needs and objectives may shift over time as you move through the phases of life and reassess your goals. We're here to help your financial plans move with you to always, most comfortably meet your needs. If you outgrow a life insurance policy or no longer need it, a life settlement could be the most financially strategic option as you move out of that policy and possibly into a better fit.
Annuities
A common concern among many retirees and those approaching retirement is that they might outlive their assets. Annuities are designed to help people in this situation by providing a steady flow of income after they're no longer working. With so many options and customizations, we can design a program to meet your specific needs and expectations.
Disability income
No matter how you make a living, a single accident has the potential to impede you from working, earning for your family and running your business. Protecting your livelihood is paramount. Disability income insurance could mitigate potential financial loss in the event that an incident should preclude you from meeting your financial obligations.
Business Succession Planning
Business owners often have the worry about what would happen to their business and family should they, a partner or a significant stockholder die or become disabled. Options to be considered are disability and life insurance programs to fund buy-sell agreements. With the right plan in place, you can rest assured that your business and your family will be protected in the event of death or disability.
Long term care
It is not uncommon today for individuals and families to seek services for their chronically ill or disabled loved ones. Often such care comes at high prices outside of your financial plan. An important risk management tool, long-term care insurance can help to offset these costs if and when it becomes necessary to seek services for those in need of long-term care services such as custodial or nursing home care.
Retirement Strategy
There's no better time than now to begin to prepare for the future. Contributing to an IRA or an employer's 401(k) plan is a great way to begin to plan for retirement. From retirement savings to tax benefits and multiple investment options, these strategies can provide peace of mind immediately and financial stability in retirement. All solutions are customized to your needs and desires in order to keep you in control of your financial well being. Additional options for you may include Roth IRAs , SEP IRAs and Individual 401(k) plans.
Charitable Planning
Donating one's hard-earned income and assets is a noble act that can benefit many. With so many individuals and organizations in need of such contributions, we are pleased to facilitate the process while helping you take full advantage of the benefits of giving. Done the right way, charitably donating can be beneficial for the charity, institution or organization as well as the donor in terms of taxation and estate planning.
