Products and Services
SOME OF THE PRODUCTS AND SERVICES WE OFFER:
ASSET ALLOCATION ANALYSIS
If applied to an overall program, asset allocation can help to reduce and improve the return of an entire portfolio. When you diversify your investments among asset classes, each with unique characteristics, your risk is always multi-distributed. Balance growth is key here.
*Asset allocation is an investment strategy and cannot guarantee a profit or guard against loss.
Our investment products and services will help you achieve your financial goals at every stage of your life.
We offer high quality, innovative annuity products from many of the top insurance companies. Choose from deferred and immediate annuities. Fixed Index and Fixed Annuities. These are just some of our offerings.
QUALIFIED RETIREMENT PLANS
Provides retirement funds for owners and their employees on a tax-deductible basis, with a complete service package.
IRA – SEP – 412(I) – SIMPLE – 401k – 403B – Pension/Profit
SERP – Buy/Sell Insurance Plans
SELECTED EXECUTIVE BENEFIT PLANS
You have the opportunity to use your business dollars to satisfy your business and personal financial goals.
Key Person – Executive Bonus – Deferred Compensation
SERP – Buy/Sell Insurance Plans
PRODUCTS AND SERVICES FOR COLLEGE FUNDING
529 College Plans College Funding Analysis
Guaranteed College Scholarships
FEE ONLY FINANCIAL PLANNING
Is financial planning for those who do not need to purchase financial products, or only need our wealth management services.
GROUP & INDIVIDUAL INSURANCE PLANS
Health – Dental – Life – Vision – Disability – HSA - LTC
ESTATE CONSERVATION ANALYSIS
Under current laws, your heirs may be required to liquidate as much as half of your estate to pay Federal taxes. We help you design a program to take full advantage of deductions and credits provided by the IRS code. Such conservation techniques allow heirs to receive most of the estate you created.
We offer high quality competitively priced Life Insurance products from many of the Top Life Insurance Companies, including Term, Universal, Equity Index, Survivorship, Whole Life and Mortgage Protection.
DISABILITY INCOME PROTECTION
Your ability to earn an income may be your largest asset. Personal, professional and business plans are among the finest in the industry, uniquely packages to combine both low cost and liberal benefits.
LONG-TERM CARE INSURANCE
Comprehensive Long-Term Care Insurance reimburses some or all of the costs of care received in settings such as the home, the community, alternate living facilities or nursing home.
At least 40% of people over age 65 will need nursing home care some day and about 10%will stay 5 or more years. The average nursing home stay will cost over half a million dollars by the year 2030.
CHARITABLE CONTRIBUTIONS/TAX STRATEGIES
We can help Churches and other Non-Profit organizations increase contributions from members of their organizations, by utilizing charitable contribution tax strategies.
We are available to deliver timely financial information that will not only inspire, but motivate the recipients. Seminars can be held at your workplace or in our offices. We have partnered with a team of attorneys who can also offer legal advice on family law, debt management and estate planning.