Services
All of our services are stuffed to the brim with financial value and backed by our resolve to provide the highest quality of care and confidentiality. Please, take a look below to see how we can help you.
Duty, Integrity and Honesty
Succession & Exit Strategies
Description:
An Exit strategy or Succession plan is something that every investor in a small business looks for eventually. What is the end goal and what was all this work for? Even if you are running a one-person sole or Mom & Pop Shop you will ultimately need an exit strategy to care for yourself and the ones you love.
As an investor and business owner the questions are the same when it's time to move on:
- How are you going to get your money out of the business?
- And how much money are you going to get?
- What will be my tax liability?
- Is there a better way? Just to name a few
The Best Exit Strategy
The best exit strategy is the one that best fits your business and your overall personal goals. Decide what you want to walk away with. If it's just money, an exit strategy such as selling on the open market or to another business may be the best option. If your seeing the business you built continue and leaving a legacy are important to you, then family succession or selling to employees might be the right move for you.
Whichever exit strategy you choose, you need to start working on it NOW. Planning in advance gives you the time to do it right – and maximize your returns.
(Includes)
- Liquidation
- Keep Your Business in the Family
- Sell Your Business to Managers and/or Employees (ESOP)
- Sell the Business in the Open Market
- Sell to Another Business
- The IPO (Initial Public Offering)
The golden years, indeed
Retirement Income Strategies
Description:
We can help you design the type of retirement you always dreamed of. There are many types of products which may work best within your overall financial strategy.
Insurance products like annuities can provide a steady and reliable income stream for the rest of your life, while investment products create opportunities for long-term growth. We can help you incorporate both in a financial strategy designed to put you on the path to the retirement lifestyle you want.
Include:
- Annuities
- Insurance Products
- Investment Programs
- Mutual Funds
- Federal, Municipal & Corporate Bonds
Enjoy what you have earned
Wealth Management
Description:
We use time to your advantage when investing for wealth accumulation.
Investing involves risk, and there are no ways to guarantee that you won’t lose money, but having a certain portion of your assets in the market gives you the opportunity to build on your existing wealth. Over time, that growth potential could help you offset the effects of inflation and other factors that erode the purchasing power of your assets — assets you may be counting on to see you to and through retirement.
Includes:
- Emerging Markets
- Foreign Investment
- Stocks / Bonds
- Investment Strategies
Maximize your financial benefits
IRA & 401k Rollovers
Description:
There are only so many things you can generally do with the assets in any employer-sponsored retirement plan.
- You can leave the money where it is.
- You can take the cash and pay the income taxes and perhaps a 10 percent additional federal tax if you are younger than age 59½.
- You can transfer the money to another employer plan (if the new plan allows). Or
- You can roll the money over into an IRA.
By rolling over from one qualified plan to another qualified plan allows your money to continue growing tax-deferred until you receive distributions in retirement. We can help you determine if a rollover is the right move for you.
Includes:
- Pension Rollover
- IRA Rollover
- 401k / 403b Rollover
- 1035 Exchange
- Non-qualified Plans
Live more fully
Insurance & Estate Planning
Description:
We will work with you and a qualified estate planning attorney to help you pass on the legacy you choose.
Estate planning is simply determining where your assets should go after you die. Without a properly structured estate plan, your wishes may not be fulfilled, and there may be unintended consequences for your loved ones.
Because the products, planning and implementation process can be rather complex. It’s important to work with experienced estate planning professionals who stay current in this field and advise clients on a day-to-day basis.
We are happy to work with you and a qualified estate planning attorney to help you pass on the legacy you choose.
Our firm does not offer, and no statement contained herein shall constitute, tax or legal advice. You should consult a legal or tax professional on any such matters.
Includes:
- Life Insurance
- Estate Plan
- Trust
- Legacy
- Charitable Giving
- Gifting Strategy
Keep your life full
Asset Protection
Description:
A rising tax environment may be a concern for many high income earners as well as those approaching retirement.
Diversified retirement assets among a variety of different products; including a mix of both insurance and investments products, depending on what is appropriate for your situation — may offer you the best chance of meeting your retirement income goals.
Investing s in the markets involves potential risk of principal. So, to provide some security not found in the stock market, you may need to include some insurance products in your financial plan. Products, such as annuities, can provide supplemental income throughout retirement and protect your money from declines due to stock market losses.
Includes:
- Life Insurance
- Key Person Insurance
- Annuities
- Laddered Bonds
- CD’s
- Money Market
Don’t Overpay
Tax Efficient Strategies
Description:
Having a solid strategy in place for how you will pay taxes in your retirement can be an important component to living on a fixed income.
Investing in a tax-deferred vehicle means your money can compound interest for years, without paying current income taxes, potentially allowing it to earn interest at a faster rate. Tax-deferred vehicles only allow you to defer paying income taxes until the money is withdrawn — presumably during retirement you may be in a lower tax bracket.
Because tax-deferred vehicles are generally designed to help individuals work toward specific long-term goals, there may be restrictions on when money can be withdrawn without penalty. Early withdrawals may be subject to charges and fees. Withdrawals prior to age 59 ½ may be subject to an additional 10 percent federal tax.
Our firm does not offer, and no statement contained herein shall constitute, tax or legal advice. You should consult a legal or tax professional on any such matters.
Includes:
- Roth IRA
- Traditional IRA
- Self directed IRA
- 401k / 403b Plans
- 457 Pension Plans
Because It’s About Your Family
Long Term Care
Description:
80% of those who receive long-term care assistance live
at home or in a community setting.
70% of people turning 65 can expect to use some form of
Long-term care during their lives
You've worked hard to make sure that you have the financial security you want for you and your family. And, you’ve tried to plan for the surprises that life may bring in the future. But even the most well-thought-out plans may not be enough to prepare you for the unexpected costs associated with long-term care.
Includes:
- Government Programs
- Family Support and Caregiving
- Assisted Living
- Nursing Homes
- Personal Savings Options
- Private Insurance Options
- Home Equity Options
- Prescription Drug and Other Assistance Programs
- Additional Private Insurance Options