Services
We specialize in these services:
- Disability Income Protection
Choosing the right plan may mean the difference between you having enough resources to pay your bills and fulfill your dreams if you were suddenly unable to work either partially or totally. - Life Insurance
The coverage isn’t expensive but what can be costly without proper planning are unforeseen tax implications. Before a client makes a decision to purchase a policy we make sure we know your objectives and help you set up a plan that is tailored to you meet your needs. A periodic review helps you to stay on top of new IRS rules and anticipate future needs. - Long Term Care
Protecting your retirement nest egg and accumulated assets from the high cost of care not covered by medical insurance is just one reason why people purchase LTC insurance. Another reason to consider is the risk is real, 40 percent of those who need long term care are between ages 18-64, and once you reach age 65 there is 50% chance you will have need for long term care assistance. - Retirement Annuities
If you are concerned with the taxable gains on invested assets during your lifetime then a deferred annuity has attributes that may help you achieve your financial planning objectives. - Immediate Annuities
Most of our clients have worked hard to accumulate their retirement nest egg. Getting that nest egg to provide a reliable lifetime income during their retirement is the biggest challenge their now facing. Immediate annuities can help alleviate the uncertainty as to whether your money will last your lifetime. - Trust Administration
Very specific IRS guidelines must be followed in accordance with gifting and paying of premiums on life insurance held in trust. Our service is designed to make sure you and your trustee are in compliance with these guidelines and don’t become unnecessarily exposed to estate taxes