SERVICES:

Financial Planning:

Every day we face challenges managing our finances. Stock market swings, fluctuating interest rates, taxes, debt and inflation – the effects can be unsettling. In times like this, creating a solid financial plan can be a critical step in ensuring future financial security.

We can help you achieve your financial goals and will give you the guidance to:

  • Save for retirement.
  • Generate retirement income.
  • Determine proper insurance coverage.
  • Help you develop strategies to manage your financial future.
  • Offer personalized programs to help you achieve your unique goals.

As a client, we will develop a results-focused plan for you to ensure that your unique objectives will be given the best opportunity for success.

Tax Strategies:

Understanding tax strategies and managing and mitigating tax threats should be part of any sound financial approach. Some taxes can be deferred, and others can be managed through tax-efficient investing. With careful and consistent preparation, you may be able to manage the impact of taxes on your financial efforts.

Estate Planning:

As you plan for retirement, you might focus on building assets and creating income strategies. But once you’ve built an estate, at some point you need to address your final wishes. The estate planning process is designed to help you pass on those assets to your loved ones, or even a deserving charity. As you make these decisions, you must also consider the impact of income taxes, and other responsibilities that might be passed on to your heirs.

If you’re a business owner, you face an even more complicated dilemma. What will happen to your business when you’re gone? What about your partners and employees? Can you be replaced? Should your business be sold to provide for your family?

It’s no wonder many people delay these difficult and emotional estate planning decisions, but it’s a necessity we must all face. With a team of insurance professionals, tax professionals, financial advisors and estate planning attorneys by your side, you can be sure that your estate plan efficiently addresses all of your wishes.

Lifetime Income:

Protecting your hard-earned assets in perhaps the most volatile era in generations can be easier than you think. And there may not be a more important time than now to safeguard all that you’ve worked so hard to achieve.

Choosing the right fixed indexed annuity can provide the best of both worlds – security and results. We have an in-depth portfolio of the most competitive, guaranteed and safe annuity products available to the general public today.

Annuities, like everything else, are continuously evolving. The features and benefits of a fixed indexed annuity today compared to even a few years ago are as different as the comparison between an apple and an orange. One of the biggest innovations of modern indexed annuities is the ability to custom design and deliver an annuity that perfectly matches the individual needs of the client.

We recognize that retirement planning is not a “one-size-fits-all” approach. It is our hope that you will give us the opportunity to show you all that is possible when it comes to customizing your retirement planning.

Retirement Planning:

Baby boomers are redefining age and retirement. Realizing the retirement of your dreams starts with your own personalized definition.

Take some time to imagine what your retirement lifestyle would be like, and then consider these questions:

  • Where will you live?
  • What will you do?
  • What activities will you participate in?
  • Will you have enough income to maintain or elevate your current lifestyle?
  • What can you do now to better position yourself for a successful retirement?

The earlier and more carefully you plan, the more likely you are to realize your vision of the future and enjoy yourself when retirement actually comes. We can guide you step-by-step through the retirement planning process and help you create a plan that meets your unique goals and objectives.

Social Security Planning:

We offer innovative strategies to help you better understand and maximize your social security benefits.

We’ll help you understand and make decisions on topics such as: spousal benefits, penalties for early retirement, government pension offset, family benefits, etc. We will also show you how your social security income fits into your overall portfolio and what impact it may have on your retirement income.