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Insurance planning

Everyone needs a plan to protect against the adverse financial consequences of one or more of the basic human risks – death, disability, or outliving one’s financial resources. We can offer access to the following solutions to meet your needs:

• Term Life Insurance
• Whole, Universal, and Variable Life Insurance
• Survivorship Whole Life Insurance and Survivorship Universal Life Insurance
• Disability Income Insurance
• Long Term Care Insurance

Investment Planning

We can help you determine an appropriate asset allocation strategy and to recommend products based on an understanding of your objectives, priorities, and risk tolerance. Our investment planning services include the following options:

• Mutual Funds
• Variable Annuities
• Brokerage Accounts
• Managed Accounts
• UMA, SMA’s, MMA’s
• Alternative investments
• REITS, Direct Participation Plans, Unit Investment Trusts, Limited Partnerships

Retirement Planning

Your life’s journey should include a comfortable retirement. We will help you select the right tax favored retirement program and other strategies to help you achieve your dreams for retirement through the following options:

• Roth IRAs, Traditional IRAs, and SEPs
• Fixed & Variable Annuities
• Profit Sharing and 401(k) Plans
• Keogh Plans
• Supplemental Executive Retirement Plan

Estate Planning

When planning your estate, it is important to address the accumulation, use, and preservation of assets, as well as tax, legal, and financial concerns. Sound planning will help to ensure that the maximum amount of your estate will be passed on to your heirs. In conjunction with your team of legal and tax counsel, our professionals can help you consider the following items:

• Minimize estate taxes
• Provide liquidity to pay estate taxes
• Protect estate for future generations
• Assure proper asset distribution