As independent brokers, we shop the marketplace to find our clients the best carriers, at the best possible cost for your needs and health. We can find the best products to meet your needs including:
• Term Insurance
• Whole Life
• Universal Life
• Indexed Universal Life
• Variable Universal Life
• Hybrid Products (that include Life Insurance with Long-Term Care benefits)
If you already have some life insurance in place, it is important to review the premium/benefits on a regular basis. Although simple in concept, a life insurance policy can be a complex financial instrument. Just as you regularly review your investment portfolio, a life insurance policy needs to be monitored to be certain that it remains appropriate for your goals and performs according to expectations. This is where we can help.
We are specialists in the insurance marketplace, with long-standing relationships to the top-rated carriers and their underwriters that review our clients’ application. We use this leverage to obtain the best offers for our clients.
We offer the following types of programs:
Personal & Family Planning
We can address your needs — from the simplest to the most complex. We can help integrate legal, tax, insurance and planning issues into custom-designed programs. Our goal is to develop a personalized, tailored plan that yields optimum benefits immediately, and well into the future.
Planning for the rapidly increasing college costs takes a special knowledge of financial aid and taxes, combined with expertise in specific college savings vehicles.
Although simple in concept, a life insurance policy can be a complex financial instrument. Just as you regularly review your investment portfolio, a life insurance policy needs to be monitored to be certain that it remains appropriate for your goals and performs according to expectations. Whether a new policy or an older one, we shop the industry to find you the best options for your situation.
Together, we help plan the allocation of specific investment dollars (in conjunction with social security benefits, pension, and other retirement plans) to provide adequate capital needed to maintain your lifestyle and economic independence.
Through our strategic affiliation, we are able to offer financial planning services. During the financial planning process, we coordinate the client's needs in six basic areas of planning: Cash Flow Analysis, Tax Strategies, Investments, Retirement, Estate Planning, and Risk Management. Our clients take control of their finances, with a plan to help them make their financial dreams a reality.
Through our representatives' affiliation with FMN Capital Corporation, the investment team can place capital into a variety of investments, mutual funds, real estate, annuities, energy, equipment leasing, government securities, fixed income investments, plus many other options…as appropriate to each client’s individual needs.
Additionally we are able to assist with:
• Estate Planning
• Charitable Planning
• Special Needs Planning
As an entrepreneur, you’re focused on running your business. So when you take time to create a business financial plan, you want the best advice available. That’s where we come in. As entrepreneurs, we understand the complexities you face. The solutions we offer are based on your specific needs, extensive market research and financial insights gained from years of working with businesses similar to yours.
Business Contingency & Succession
Most closely-held business owners have a significant portion of their personal assets in the business. That means their personal and family lifestyle depends on the income their business provides. With proper planning, the business may continue to provide this income even in the event of the owner’s retirement, disability or death. That is where we can help. We also assist with planning for business succession, including buy-sell arrangements.
We are able to assist with establishing, maintaining, or transferring your employee Retirement Plans, such as a 401k. With fee increases throughout these plans, it is important to know how much you are spending…and for what level of services.For our business-owners, there are additional plan options. For the small business, we can help with SEP-IRAs and SIMPLEs. Additionally, there are specialized plans that can allow business owners to save additional retirement funds…and obtain a sizable tax deduction. We work with each owner on a one-to-one basis to determine which options make the most sense for their personal situation.
Key Person Insurance
A key person may be the owner of the business or an employee with critical skills. Key Person insurance offers a death benefit to help keep the business afloat in the event of the death of a key person. In addition, Disability Insurance helps protection the business from any unforeseen health conditions.
Executive Benefit Planning
Much of your company’s success hinges on the skill and commitment of your key employees. To motivate and retain your top talent, a custom-tailored benefits program for the executive is critical. We can deliver a robust executive benefits program that gives your company an advantage in recruiting and retaining the talented people who are the driving force behind your business.
Business Contingency & Succession
As an entrepreneur, you’re focused on running your business. Did you know that without proper planning, you, your business, and your family could lose all the benefit from your years of hard work? In addition, your employees will also suffer if the management team does not have a well thought out plan in place.