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