Private Client Insurance Services

Our Private Client Group has a similar role and philosophy to that of our Corporate Executive Benefit division. We drill down on client objectives by interviewing key family decision makers and advisors and by analyzing existing programs. Once the process is completed we present our findings in an effort to help guide families to make sound long term decisions which are often designed to provide income continuity and protect accumulated assets from estate reduction.

Proper estate planning better supports the current and future financial possibilities for you and your family, allows you to transfer your wealth according to your wishes, and can help reduce unnecessary taxes and expenses.

We are committed to working with you and your family to help determine your long-term personal financial goals and plan accordingly. In addition, we will help you structure your estate assets to minimize tax liabilities and maximize value to future generations. Our professional team will work with any additional advisors you may have, such as an attorney or accountant, to develop and implement a plan of action. All of this planning will be coordinated with your insurance contracts in order to provide a sound, workable plan. Periodically, we will review your plan with you in order to assess our progress in pursuing your long-term objectives.

Ultimately, our goal is to assure that you and your family have taken prudent steps to reduce your tax liabilities and to create the most effective means to help finance any future tax liabilities.

At a time when social responsibility has taken on increasing importance, charitable planning offers a strategic way for you to connect to causes that you and your family feel passionate about. Whether your aim is to develop a philanthropic legacy for your family, or simply to support your community, tax-favored aiding programs create ongoing opportunities to transfer family assets to public and/or private charities. These charities often include family foundations that are managed by family members, in which the family retains control over the gifted assets and access to income generated by these assets. Often, charitable planning provides a balance to estate and life insurance plans, while taking on personal meaning for youand your family. We offer creative solutions aimed to achieve your personal or familial philanthropic goals without interrupting your family's long-term financial possibilities.

An important component to any estate plan is gifting, which allows you to reduce the size of your taxable estate by strategically transferring the wealth you have worked so hard to create for your family members.

Gifting enables you to take advantage of the substantial tax advantages available through the use of lifetime gifts. Thoughtful use of these gifts through the use of planning vehicles such as trusts and life insurance can help maximize the value created for your heirs. We can help you determine a gifting strategy that is consistent with your planning objectives.

If you are the primary wage earner of your family, disability income protection should be reviewed on a regular basis. Most working professionals don’t often know what their employer plan provides and if they have enough coverage to meet their current and future needs.

Consider that if you were unable to work, how long would your savings support your lifestyle and what other sources of income would you have to maintain your standard of living?

Disability insurance is typically a small premium relative to the amount of benefit that could be paid out over your working years. Some policies we offer include significant lump sum payouts and catastrophic benefits.