Insurance Planning and Advice for Individuals and Families
Managing risk constitutes a major element of your financial and estate planning needs. We provide advice and products to help those looking to protect these risks for themselves and their family.
We focus on sophisticated insurance concepts and strategies in the areas of:
Life Insurance
Disability Income Insurance
Long Term Care Insurance
Estate Conservation Strategies
Annuities
Insurance Audits (assessing insurance policies you have versus what you need)
Insurance Planning and Advice for Business Owners and Business Executives
We offer a variety of services tailored to the needs and objectives of established companies, their owners and key executives.
BUSINESS SUCCESSION PLANNING What is the most efficient way to pass on or sell your business? Whether it is to family, management, or an outside buyer, we provide advice on how to structure and fund a tax-efficient succession plan that is consistent with your wishes and goals.
BUY-SELL AGREEMENTS Do you and your business partners have a written agreement on how to transfer your business interest in the event of retirement, disability or death? We can advise you how to structure and fund a Buy-Sell Agreement.
BENEFITS FOR KEY EXECUTIVES We structure corporate-sponsored benefit programs for business owners and key executives. The programs include corporate-paid financial plans, deferred compensation and supplemental retirement plans, corporate-paid long term care insurance plans, group carve-out plans for life insurance and disability insurance plans.
PROTECTING THE BUSINESS DUE TO THE LOSS OF A KEY PERSON We provide advice and services to help protect the company from the loss of a key person resulting from a disability or death.
