THE POWER OF OUR SERVICES
In our experience, a team approach can be an effective method to help those with a wide variety of needs as they maneuver through the complex world of financial services.

Individual Solutions

RETIREMENT PLANNING

Retirement plans aren’t just for the wealthy. We can help you design a retirement income strategy that incorporates insurance vehicles, dividends, and fixed-income investments to create opportunities for long-term growth potential as well as the option for lifetime income throughout your retirement.

IRA & 401(K) ROLLOVERS

You may be asking yourself, “Do I leave my money where it is? Take the money and run? Transfer it all to another plan? Or, roll it over into an IRA?” Whatever you choose, we can help you plan and execute the best option for you, potentially allowing your money to grow tax-deferred while also providing you with more customizable investment options.

TAX PLANNING

As you approach retirement, have you thought about how rising taxes could impact your plans? We can discuss how investing in or purchasing a tax-deferred vehicle could defer income taxes, giving you the potential to earn interest at a faster rate, while, on the other hand, tax-exempt accounts can provide future tax benefits because withdrawals at retirement aren’t subject to taxes. 

LONG-TERM CARE

As more and more baby boomers approach and experience their 60s, outliving income may become less of a concern, while outliving good health becomes their priority. We can help you navigate the complex world of long-term care and what to consider before opting into Medicaid. Planning for these potential expenses on the front end can save you from paying for them later. 

LIFE INSURANCE

Planning for retirement isn’t complete without adequate life insurance coverage. The right life insurance product for your situation can help protect your loved ones and help create income in retirement.

ESTATE & LEGACY PLANNING

While the concept of estate planning is a simple one, the vehicles, planning, and implementation process can be quite complex. A properly structured estate plan can help ensure your wishes are fulfilled.

Business Solutions

QUALIFIED RETIREMENT PLANS

We offer retirement platforms for small businesses with under 50 employees such as a full suite of 401k platforms, Executive Compensation etc.

TAX PANNING

Tax planning is an important part of wealth management. Our specialized team of professionals utilize planning techniques that are often overlooked by the general practitioner

KEY EMPLOYEE RETENTION

Our low-cost Key Employee Retention Strategy provides:Tax-free retirement income to your employees for life, a multi-million dollar tax-free death benefit for your employees’ families and can be offered to select employees.

BUY SELL AGREEMENT

buy–sell agreement, also known as a buyout agreement, is a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or is otherwise forced to leave the business, or chooses to leave the business.

 

KEY PERSON INSURANCE

A life insurance policy that a company purchases on a key executive’s life. The company is the beneficiary of the plan and pays the insurance policy premiums. This type of life insurance is also known as “key man insurance,” “key woman insurance” or “business life insurance.”

BUSINESS SUCCESSION & EXIT PLANNING 

When considering business succession or exit planning, we take into consideration several vital factors relating to the smooth transition of the business operations to the new owners. We work with the buyers and sellers to formulate a Win Win transaction for all parties with an emphasis of the most tax advantaged receipt of funds to the seller of the business. We have been involved in 37 acquisitions or dispositions of the assets of privately held companies totaling approximately 200mm in valuation.

BUSINESS VALUATION

We primarily subscribe to the Income Approach to determine a fair market value for businesses that are in positive cash flow.  Our particular specialty in valuation pertains to manufactured home communities or other similar income producing businesses.