Individuals
Personal Needs Assessment: Our team is dedicated to helping successful people solve complex financial issues and identify the core values, beliefs, and legacies they want to perpetuate for themselves, their families, and their communities. Through a personal needs analysis, we can see where you stand relative to where you want to be and provide you with tailored strategies that put your goals on the road to reality.
Financial Planning: Long-term financial success doesn't happen by chance. Each area of your financial life can impact your long-term goals, positively or negatively. We work with you to understand these interrelationships so that you are well informed to deal with economic ups and downs that may come your way. Financial planning is a comprehensive, life-long process that assists you and your family in taking control of your financial future. By prioritizing key goals, developing a systematic plan, and monitoring progress on a regular basis, the likelihood of achieving your desired results is greatly increased.
Wealth Management: In today’s market, there is a vast array of investment vehicles you can place your income into. Selecting the right combination to align with your financial goals is critical and requires extensive knowledge of these investment products. We are here to help you develop an investment strategy suited to your needs and build an investment portfolio that works for you.
Asset & Income Protection: Our experience with insurance policies can provide you with options to protect what is important to you and provide security for you and your loved ones. 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 to cater to a variety of needs. Whether you are looking for temporary protection, lifelong protection, an efficient transfer of assets through your estate, or cash value accumulation, personal life insurance can be a worthwhile solution (see ** and ***). 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. 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.
Education Funding: With the cost of higher education rising faster than the rate of inflation, many families wonder how to prepare for this expense. If supporting your child(ren) or grandchild(ren) in higher education is one of your financial goals, education funding investments are options to explore.
Retirement Strategies: Retirement, the chapter in which you put down your labors and spend time during what you enjoy most. Our team is here to guide you through the multitude of investment options and ever-changing tax laws so that you can make well-informed decisions as you prepare for and walk through your retirement years. Longer life expectancies and early retirement make sound insurance and investment choices essential. 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 options available to you (see***). By working through a personal needs assessment, we can determine your financial goals in relation to where you currently stand. This enables us to develop protection and investment strategies that align with where you’d like to be so that your goals can become reality.
Businesses
Business owners have specialized needs to ensure their business has a solid foundation while being able to adapt to an ever-changing economic climate. The need to innovate is critical, such as IBM and their typewriter. We can help develop and implement systems that will support the company 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 leads to a happy owner and a strong company.
Our team can help navigate the best options for taking care of employees such as group insurance plans, group retirement plans, and employee benefits. We can also assist 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 assist in developing a strategy that addresses your business’s key financial objectives. Our team is equipped to support any industry, but primarily focuses within family-owned businesses, school districts, nursing home facilities, funeral homes, clergy, retail companies, start-up businesses and professional partnerships such as accountants, attorneys, dentists and doctors.
When the time comes to pass a business onto the next generation, we can assist in creating a smooth transition and avoiding huge disruptions in the day-to-day operations. We put together different financial solutions and models to fund the outgoing generation without bankrupting the incoming generation.
** 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.
*** 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.