Our Services
Many people do a great job meeting their lifetime financial goals and objectives, only to find they've left their biggest financial goals unanswered. Questions like: who will inherit my estate and when? How will my heirs pay estate taxes and other final expenses? Working with your other legal and accounting professionals, we work together as team to show you how to take advantage of trusts, charitable giving strategies, and other sophisticated techniques. This can help reduce the amount of taxes your estate will owe and expedite the distribution of your wealth to your heirs.
Business Planning
You've built a successful business and you'd like to see it continue well into the future. But what happens if you die prematurely, become disabled, or simply decide it's time to retire? With programs such as buy-sell agreements, key person life insurance, executive bonus, and business succession plans, we can help protect your business today while ensuring its viability tomorrow. We can help you set up a business continuation plan that will allow for a smooth and orderly transition of the business to another family member, the next generation, or to your associates.
Insurance Services
Life, disability and long term care insurance are about risk. Risk is the exposure to the possibility of loss. Risk can be assumed, ignored or transferred to a risk bearer. By asking questions and listening to your life situation, we assist you in addressing individual solutions. Whether for personal or business situations, we will help you determine the appropriate type and amount of insurance.
Retirement Plan Services
Setting up a retirement plan today can provide immediate benefits in the form of tax savings, as well as protect the future financial stability of both your family and your business. We offer full services for qualified retirement plans. If your business sponsors a qualified plan, we can deliver plan design and administration. For retirees or those about to retire, we can help you determine how best to receive your retirement benefits.
Trust Services
Our firm represents several quality Trust companies. Trusts can be used to avoid probate or to reduce estate and income taxes. They can also serve to transfer assets for the protection of your children, to avoid taxation of life insurance in your estate, or to keep your assets intact while paying income to someone you designate.
However, wills and trusts may only address specific issues and may need to be reviewed and updated as your desires, situations or laws change, which may inpact your future plans. Many issues can still cause your money to fall through the cracks in places like tax returns, risk exposure, fees and charges, low rates of return, large future income tax problems from your qualified or non qualified money, long term care needs, and lawsuits. Most of these are not addressed by having a living trust or will.
Ongoing income taxes and especially signifigant taxes to your heirs are key conerns today. Many people believe their wills and living trusts or other estate planning address these issues, only to find out too late, they were wrong.
Capital Accumulation
Whether you're saving for a home, preparing for your own retirement or building an estate to leave to your heirs, proper investment planning requires a long-term investment strategy, a commitment to seeing that strategy through, and a clear understanding of your tolerance for risk. In short, you need a plan -- one that's consistent with your objectives, time horizon, and comfort level.
We can help you design and implement an investment strategy that will help you meet your personal and financial goals. We recognize the commitment and responsibility we undertake when we provide investment advice. That’s why we begin by assessing and analyzing your current position and listening attentively to your needs and concerns. Then, drawing upon our experience and the resources available to us, we'll not only put together an investment strategy designed exclusively for you, we’ll handle all aspects of managing your funds to your specifications. Through a variety of financial vehicles, we can help you pursue a wide range of investment objectives.
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