Our Services
Providing for Survivors
If you’re like most people, you don’t like to think about the financial impact your death could have on the people who depend on you. But making provisions for your spouse, children, business associates, and anyone else who would be affected by your premature death is important. Fortunately, it can also be both easy and affordable. We’ll look at your whole financial picture - including any life insurance, investments, pension benefits you may have - and make recommendations that will help ensure the financial security of the people who are important to you.
Capital Accumulation Strategies
Whether you’re saving for a home, preparing for your own retirement or building an estate to leave to heirs, proper investment planning requires a long-term investment strategy, a commitment to seeing that strategy through, and a clear understanding of your tolerance for risk. In short, you need a plan - one that’s consistent with your investment objectives, time horizon, and comfort level. We can help you design – and implement – an investment strategy that will help you meet your personal and financial goals. We recognize the commitment and responsibility we undertake when we provide investment advice. That’s why we begin by assessing and analyzing your current position and listening attentively to your needs and concerns. Then, drawing upon our experience and the resources available to us, we’ll not only put together an investment strategy designed exclusively for you, we’ll handle all aspects of managing your funds to your specifications. Utilizing mutual funds, fixed and variable annuities, and other asset accumulation vehicles, we can help you pursue a wide range of investment objectives.
Estate Planning Strategies
Many people do a great job meeting their lifetime financial goals and objectives, only to find they’ve left their biggest financial questions unanswered. Questions like: who will inherit my estate, and when? How will my heirs pay estate taxes and other final expenses? With proper planning today, you can help ensure that your heirs will have sufficient liquidity to settle your estate in a timely and affordable manner. Working with your other legal and financial advisers, we’ll show you how to take advantage of trusts, charitable giving strategies, and other sophisticated techniques that can help you reduce the amount of taxes your estate will owe, and expedite the distribution of your assets to your heirs.
Business Planning
You’ve built a successful business and you’d like to see it continue well into the future. But what happens if you die prematurely, become disabled, or simply decide it’s time to retire? With programs such as buy-sell agreements, key person life insurance, executive bonus, and business succession plans, we can help protect your business today, and ensure its viability tomorrow. Utilizing life insurance and other financial products, we can also help you set up a business continuation plan that will allow for a smooth and orderly transition of the business to another family member, the next generation, or to your associates. We can also help you attract, motivate and reward key employees, including yourself, with state-of-the-art pension and profit sharing plans.