Learn more about the wide variety of insurance and planning solutions we offer our clients.  Leverage the advice and guidance of professionals who will help you make informed choices.

Insurance Solutions

Disability Income Insurance

What happens to you and your family if illness or an accident prevent you from working? Disability income insurance can provide you with the funds to maintain your lifestyle, remain in your home and meet day-to-day expenses. If you’re not covered adequately by a policy at work or if you’re self-employed, you owe it to yourself and your family to consider purchasing your own disability income policy.

Life Insurance

For many families, life insurance represents the foundation of their finances – the safety net that protects them in the event they lose a loved one. But some life insurance policies also offer the ability to accumulate assets for retirement and college expenses. We can help you determine which type of policy is appropriate for you and how much coverage you would need to provide for your family.

Long Term Care Planning

No one wants to think about the possibility that they or their loved ones will require nursing home, assisted living or other long-term care.

Long term care can be expensive. In fact, it can cost thousands of dollars each month. Having a carefully crafted plan however, can help you defray costs and preserve the assets you’ve spent a lifetime accumulating. A variety of options are available and can make a major difference in your ability to retire as planned and leave a meaningful legacy to your children and grandchildren.

Annuities

Traditional pensions have become increasingly rare, but that doesn’t mean you can’t generate your own stream of income at retirement that is guaranteed to last as long as you live.

Annuities are contracts between you and an insurance company that offer future income in exchange for current assets. Depending on the type of annuity you choose, you can earn a fixed rate every year or opt for variable returns by participating in professionally managed portfolios of stocks, bonds and other securities. Either way, your assets grow tax-deferred until you withdraw them or begin taking income payments.

Planning Solutions

Financial Planning

Imagine you had a roadmap that could show you where you are financially in relation to your goals. Imagine it provided you with tangible recommendations to help you arrive at your financial destination within your desired timeframe. We offer plans that can help you retire on time, leave a meaningful legacy, meet education expenses and pursue even your most challenging objectives with greater clarity and confidence.

Estate Planning

Current tax law reduces the possibility that the legacy you hope to leave someday will be eroded by estate taxes. Estate planning, however, goes far beyond minimizing taxes. We can work with your attorney and accountant to develop a plan that provides for your loved ones, helps ensure your assets will be used as you intended, avoids family conflict and supports any charitable organizations that are especially important to you.

Asset Management

Do you have the time, inclination or experience to monitor today’s complex markets and manage your own investment portfolio? We can help you develop an investment strategy that meets your objectives, time-frame and risk tolerance.  Your strategy will be implemented by carefully selected third party managers who meet our criteria for performance, consistency and organizational excellence. As you would expect, we monitor your portfolio on an ongoing basis to make certain you’re progressing as anticipated.

Retirement Planning

If you participate in a 401(k) plan at work, you’ve made a great start. But retirement planning involves much more than saving systematically throughout your career. As you approach retirement, we can help you determine how to convert the assets you’ve accumulated to income that will last as long as you live. We can also advise you on how to plan for expenses you can’t foresee or control. And even if retirement is years away and not yet a priority, we can show you how to maximize your 401(k) or other retirement plan and prepare for the future without compromising your current lifestyle.