Advanced Planning Services

Business and Succession Planning

For many business owners, achieving personal financial freedom depends on perpetuating a business and converting its value into financial assets. Our advanced sales team and case designers suggest programs that can meet multiple objectives.

Estate Conservation and Charitable Giving

Changes in estate tax have the potential to create massive uncertainty. Without coordinated planning, the largest estates continue to face potential estate tax impact. In conjunction with your tax and legal advisors, our team can help you prepare for potential estate tax impact, charitable giving programs and asset transfer structures.

Special Needs Planning

Planning for dependents with special needs can be complex, and every plan is unique to the family. This type of planning requires experience, knowledge, and access to resources. Trained Special Care Planners coordinate a team of advisers and advocates, including: qualified attorneys, non-profit organizations, and service providers.

Personal Planning

Family Protection

Life Insurance, Disability Insurance, and Long-Term Care Insurance

Wealth Accumulation Strategies

Separately Managed Accounts, Mutual Funds, Asset Allocation Research & Analysis, Annuities, and Education Funding Strategies

Retirement & Income Planning

Individual IRA accounts, ROTH IRA, 401k, and 403b/457 plans

Business Planning

Executive Benefit Plans

Deferred Compensation, Split Dollar Bonus Plans, Executive Bonus Retirement Plans, and Corporate Owned Life Insurance

Business Continuation

Business Overhead Insurance, Disability Buyout, Buy-Sell Arrangement Funding, Section 303 Stock Redemption, and Key Employee Insurance

Tax-Qualified Retirement Plans

401(k), Profit Sharing, Money Purchase, Defined Benefit, Simplified Employee Pensions (SEPs), and Simple IRA

Employee Benefits Products

Managed Care Medical Benefits, Dental Benefits, Vision Care Benefits, Flexible Benefit Account, Group Life Insurance, Short-term & Long-term Disability Income Insurance, and Group Long-Term Care Insurance.