Our clients come to us for a variety of financial solutions, from insurance to life-long financial strategies. Whether you have a specific need or you’re looking for help organizing your entire financial picture, we’re here to help. Some of our common services are detailed below.
Personal Services
Tax Planning
You work hard for your money, so why would you let the government take more than you owe? Although you may not be aware of it, there are most likely missed exemptions on your tax forms that require you to pay higher taxes than you should be. Let us help you get this money back by reviewing your taxes and finding missed deductions. Managing your taxes now can save you a lot in the long run, making future goals such as a second home or early retirement possible.
Retirement Planning
If you intend to retire (and most people do), the best time to start planning is now. Our team will help you discover what a satisfying retirement looks like to you—whether you want to manage your business as long as possible or you plan to cash in a pension at 55. We’ll help you determine what you need to retire comfortably and how that affects your current planning objectives. We’ll review your risk, assets, and current planning Read More… status, then recommend tools to maximize your earnings now and protect your wealth in the future. Whatever a fulfilling future looks like to you—we’re here to help you prepare for it.
Education Planning
Planning for the future education of your children can be overwhelming, especially when you have just finished paying off student loans of your own. Our team of advisors is prepared to work with you to take into account tuition growth, risks involved, taxes, and more to create a plan best suited to the needs of both you and your children. Sending kids off to college is hard enough as it is; don’t let your finances make it even harder. Talk to us about education financing today.
Debt Management
If you are like most professionals, you would not be where you are today if it were not for the level of schooling you went through. Unfortunately, however, that schooling most likely left you with more than education, it left you with a hefty debt as well. That is where we come in. We want to help you manage that debt in such a way that paying it off becomes not only possible, but also easy. As you look forward to the future you Read More… should be excited, not worried. As you look back at your schooling, you should be grateful, not full of regret. Our debt management programs will help you get where you need to be financially so that your career, not your debt, can be the center of your focus.
Insurance
With as many types of insurance plans as there are today, picking the right one can be a complicated and frustrating task if done alone. A plan can make or break your business and your personal reputation depending on its coverage. The right one can protect you, your assets, and your name in case of error or liability whereas the wrong one can permanently damage your practice. Our advisors specialize in insurance and can help you pick the right kind of coverage for your specific field of work.
Disability Insurance
In an emergency in which the main provider of your family is no longer able to work, disability insurance protects your source of income so that your family still has a source of stability. When the ability to make future plans for investment (ex: school, cars, homes) based on the assumption of future income is taken away by illness or injury, our agents can help you protect your current lifestyle and long term goals. In addition to new medical Read More… expenses, one’s income is also reduced or even terminated at the onset of an illness or injury. As the main provider for your family, you should strongly consider disability insurance if your family does not believe it could maintain financial stability, pay its mortgage, or pay off expenses on your spouse’s income alone.
Wealth Management & Retirement Planning
We work with our clients to design and implement a variety of accumulation and retirement income plans, offering insurance products, investment programs ranging from separately managed portfolios of stocks and bonds Read More… to mutual funds, and access to third-party wealth management programs. We offer a consistent process to ensure management of investment assets according to your goals, risk tolerances and time horizon. We then monitor your plan on a continual basis, and adjust and evolve as your needs change.
Estate Planning
A well-engineered estate conservation plan can minimize tax liability and ensure that loved ones are protected. We will work with you and your other advisors to assess the impact of state and federal taxes on your estate and suggest strategies to help minimize those taxes while meeting your personal philosophies and family needs.
Asset Protection
There are numerous financial strategies and retirement income plans that can help you accumulate assets for the future, shield your business and personal assets from liabilities, and safeguard asset transfer to children and grandchildren. We can help you figure out what the right course of action is for your specific situation and objectives.
Charitable Planning
Charitable planning allows you to support the organizations and causes that matter to you, while often providing immediate income streams and reducing your tax burden. Numerous charitable giving strategies exist, and we can help you design and execute a charitable giving plan that is in alignment with your personal and philanthropic goals.
Disability and Extended Care Needs
To execute a sound retirement strategy, asset and income protection are a must. Designing a plan that encompasses managing costs for extended periods of care and disability insurance can help create the necessary balance in a portfolio to ensure stability and protection of assets.
401(k) and IRA Rollovers
To execute a sound retirement strategy, asset and income protection are a must. Designing a plan that encompasses managing costs for extended periods of care and disability insurance can help create the necessary balance in a portfolio to ensure stability and protection of assets.
Business Services
Executive Benefits
Employee Benefits
Selecting the right benefit package is becoming increasingly important in retaining the best employees, and keeping them productive. We strive to know and understand your complete financial situation and provide you with the highest quality of information, products, and services to help you reach your goals. Read More…Our clients rest assured knowing that we always have their interests at heart. Focusing on your objectives, budget and culture, we work with you to custom design your group benefits, qualified retirement plans, and voluntary benefits plans to address your employees’ unique needs. Our strong relationships with insurers enable us to effectively represent your employees to ensure claims and issues are resolved promptly.
Succession Planning
Succession planning allows owners to leave their business on their own timeframe while preparing their company to be transferred to family members, key employees, an outside party, or even a charity. This must be done in a way that achieves personal financial security, maintains harmony, and achieves maximum value for the business.
Key Person Insurance
Key person life insurance offers a death benefit that helps indemnifies an employer for the loss of one of its most important assets – the key person. This can help assure continuity of the business for employees, customers and creditors, and protects against losses in sales, momentum, and credit. It can also be used to assist with recruiting and developing a replacement for the employee.
Funding Buy-Sell Agreements
A buy–sell agreement is a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or leaves the business, whether by force or by choice. A funded cross-purchase buy-sell plan utilizes life insurance to help ensure that the arrangement is properly funded so that there will be money when the event is triggered.
Funding Deferred Compensation
Deferred compensation is a written agreement between an employer and an employee where the employee chooses to have part of his or her compensation withheld by the company, invested on their behalf, and distributed back to them at a pre-determined point in the future. Deferred compensation can be used as a flexible way to attract and incentivize key employees.