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Personal Planning
Financial Analysis
· Retirement and college expense planning
· Organizing an integrated strategy to define and achieve financial goals
· 401(k) Rollover Strategies
Investment Products
· Mutual Funds
· IRA’s – Roth & Traditional
· Tax-Deferred Investments
· 529 College Savings Plans
· Fixed and Variable Annuities
Estate Planning
Working with your attorney / accountant , or ours, we help you establish a plan to achieve your goals. Careful consideration is given to estate taxes, gifts, trusts and investments.
· Estate Tax Calculation –
How will your estate be taxed?
· Proper Life Insurance Ownership
· Proper Trust Planning
· Ownership arrangement for major assets
· Estate Transfers / Splitting
· Gift Planning
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Business Planning
Executive Compensation Plans
Attracting, motivating and retaining key executives are of paramount importance in today’s competitive business environment.
· Salary Continuation Plans for the highly compensated
· Supplemental Executive Retirement Plans
· Deferred Compensation Plans, 412(i)
· Company sponsored financial analysis for key executives
Qualified Retirement Plans
· Traditional, ROTH, Simple & Solo 401(k) Plans
· 403(b) – Tax Sheltered Annuities
Employee Benefit Programs
· Major Medical, HMO, PPO & HSA Plans
· Group & Voluntary Life and Disability Insurance
Business Continuity
Frequently, a business, which took years to build, presents more problems than solutions upon death or disability of a principal. To address these problems, the following planning solutions should be explored.
· Buy-Sell Agreement Funding
· Key Person Life Insurance
· Business Transfer Planning
· Disability Buy-Out Arrangements
· Inheritance & Estate Considerations
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