Our Services

A well-engineered estate conservation plan can help minimize tax liability and ensure that loved ones are protected. We will work with you and your advisors to assess the impact of state and federal taxes on your estate and suggest strategies to help minimize those taxes while meeting your family's needs. We do not provide tax or legal advice. Please consult with your own advisors for tax or legal advice.

There are numerous financial strategies and retirement income strategies that can help you accumulate assets for the future, protect 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 giving 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 strategy that is in alignment with your personal and philanthropic goals. Please seek tax advice from your own tax advisors.

To execute a sound retirement strategy, asset and income protection are a must. Designing a strategy that accounts for 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.

When you leave a job or retire, you have a decision to make regarding your 401(k) money. While leaving those assets in the former employer's plan is an option, a rollover can be a consideration. Working with your tax advisor, we can help you determine the right course of action for you. This may include: leaving the funds in your existing plan, if permitted, rolling them into your new employer's plan, if one is available and rollovers are permitted, rolling them over to an Individual Retirement Account (IRA), or taking a cash distribution. Each choice offers advantages and disadvantages, depending on your specific needs, personal circumstances and the retirement plans, such as the desired investment options and services, applicable fees, expenses, and withdrawal options, as well as the required minimum distributions (RMDs) and tax treatment of the applicable options. We do not offer tax advice. Please consult your tax advisor regarding your personal situation.

The success of most businesses is tied into the talent, passion, and work ethics of their key executives. Executive benefit packages can help you attract, motivate, and retain high-caliber employees and keep your company healthy and stable. We can help you with funding non-qualified plans, supplemental employee retirement plans, split-dollar arrangements, and more.

Succession planning allows owners to retire from their business within their own time frame, while preparing for the 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. I can provide financial strategies for succession planning.

Key person life insurance offers a death benefit that helps indemnify 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 diseased employee.

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 if the event occurs due to the death of an owner.

Deferred compensation is a written agreement between an employer and an employee in which the employee chooses to have part of his or her compensation withheld by the company, invested on their behalf, and distributed to them at a predetermined point in the future. Deferred compensation can be used as a flexible way to attract and incentivize key employees. I can provide funding strategies for deferred compensation.

When you leave a job or retire, you have a decision to make regarding your 401(k) money. While leaving those assets in the former employer's plan is an option, a rollover can be a consideration. Working with your tax advisor, we can help you determine the right course of action for you. This may include: leaving the funds in your existing plan, if permitted, rolling them into your new employer's plan, if one is available and rollovers are permitted, rolling them over to an Individual Retirement Account (IRA), or taking a cash distribution. Each choice offers advantages and disadvantages, depending on your specific needs, personal circumstances and the retirement plans, such as the desired investment options and services, applicable fees, expenses, and withdrawal options, as well as the required minimum distributions (RMDs) and tax treatment of the applicable options. We do not offer tax advice. Please consult your tax advisor regarding your personal situation.

To execute a sound retirement strategy, asset and income protection are a must. Designing a strategy that accounts for 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.

There are numerous financial strategies and retirement income strategies that can help you accumulate assets for the future, protect 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.

Whole life insurance is a permanent life insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid when due. Whole life policies accumulate cash value tax-deferred.

Term life insurance policies provide coverage for a specific amount of time—such as one year, 10 years, or 20 years. Term premiums are often initially less expensive than whole-life premiums, but once the term of the policy is complete, coverage terminates, unless the policy owner elects to renew the policy often at a much higher rate. There is no accumulation of cash value for term-life policies.

Universal Life insurance is designed to offer customizable death benefit protection with non-guaranteed planned premiums and a non-guaranteed death benefit. Depending on the product selected and the amount of premium you pay, Universal Life insurance can allow you to keep your coverage for as long as you need it: to age 80, 90, 100 or longer. Because of the policy's flexible and non-guaranteed nature, it is important to fund your policy properly and actively manage your policy to reflect changes in interest crediting rates and policy charges over the duration of your policy. This policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments, if loans or withdrawals are made, or if current interest rates or charges fluctuate.

Variable universal life Insurance combines the premium and death benefit flexibility of a universal life policy with investment opportunities. You may allocate your premium among a variety of professionally managed investment divisions plus a fixed account. Of course, with investment opportunities comes risks along with the potential for reward.

Disability insurance provides a monthly benefit to replace a portion of your income if you become too sick or hurt to work for an extended period of time. This product is designed to be used in connection with employer sponsored disability income insurance, and as a stand alone product to replace a portion of your income that is not covered in the event of sickness or injury for an extended period of time.

With a fixed deferred annuity, the interest rate on your policy is guaranteed never to fall below a certain fixed rate.* For many people, this provides a measure of security. (A fixed deferred annuity is subject to charges for early surrenders or withdrawals. In addition to paying income taxes that may be due, distributions prior to age 59½ may also be subject to a 10% federal tax penalty.)

*Guarantees are depended upon the claims paying ability of the issuing insurer

A lifetime income annuity is an annuity in which income payments begin—one period after the annuity is purchased. It is designed to provide you with guaranteed, predictable income monthly, quarterly, semiannually, or annually, no matter how long you live, and regardless of how the financial markets perform.

All guarantees associated with annuity contracts are based on the claims-paying ability of the issuing insurance company. Withdrawals may be subject to regular income taxes, and if made prior to age 59½, may also be subject to a 10% IRS tax penalty. In addition, early surrender charges may apply.

A variable deferred annuity offers the advantage of tax deferral and can be used to accumulate money for retirement. The policy's accumulated value—and sometimes the amount of monthly annuity benefit payments—fluctuates with the performance of your variable investment account options. There are fees, expenses, and risks associated with the contract. Please be aware that assets allocated to the investment divisions are subject to market risks and will fluctuate in value.