OUR SERVICES
OUR SERVICES
Tax-Exempt Life Insurance Investment
Tax-Exempt Life Insurance Investment
Life insurance can provide a unique investment opportunity to those who would like to have the use of a tax sheltered investment combined with a life insurance plan. The growth of the investments are tax exempt and can off-set the cost of premiums when sufficient growth occurs in the cash value. Other unique benefits can be combined with this type of coverage.
Life Insurance
Life Insurance
Life insurance can protect the financial security of the people you love by giving them a tax-free payment after you die. The amount and type of coverage you choose will depend on your circumstances and needs. The cost of life insurance you buy as an individual depends on your age, gender, health, medical history and lifestyle.
Corporate Owned Life Insurance
Corporate Owned Life Insurance
Business owners can use corporate owned life insurance to provide unique benefits. They can shelter surplus capital inside the policy using corporate dollars. The insurance can be incorporated to provide many benefits to owners, key personnel, while providing liquidity to the corporation through the use of a holding company over the operating company.
LIVING BENEFITS
You have a bright future ahead and big plans for what you want to achieve, but unexpected events can throw you off track. One of those challenges could be a severe illness. Advances in medicine mean more people survive illnesses like cancer and stroke than ever before, but recovery can be stressful. Having a plan in place is important so if you are faced with a severe illness you don't have to worry as much about your finances and can focus on your recovery.
PERSONAL INVESTMENTS
Personal investments can be anything from a savings account to real estate. Diversification is key to having a good portfolio of investments. The key is to have investments that will weather the up's and down's of the market as most people hold stocks, bonds, and mutual funds in registered plans. Personal investments should include tax friendly holdings.
RETIREMENT PLANN
RETIREMENT PLANN
The concept of retirement has evolved over the many yea​rs. We are living longer, perhaps retiring earlier.
The concept of retirement has evolved over the many yea​rs. We are living longer, perhaps retiring earlier.
Fewer of us have pensions and we are increasingly responsible for providing our own income in retirement, a period of our lives that may well last thirty years.
As you approach the end of your working career, you may have questions about how to support yourself in retirement. How do you know what you'll need to live on? Which pension option should you select? When should you start collecting Social Security? How will you pay for health care?
Estate Planning
Estate Planning
No one knows for certain when he or she will die. Therefore, we believe time is of the essence, and estate planning is one of the first areas we review with each client relationship. We believe in avoiding the probate process and often recommend financial tools to accomplish this. We may suggest our clients to seek estate planning lawyers once we have conducted the estate planning review. Only lawyers who practice estate planning law on a substantially full-time basis should be used. We will work with the lawyer you ultimately choose.
Tax Planning
Tax Planning
"Over and over again courts have said that there is nothing sinister in so arranging one's affairs as to keep taxes as low as possible. Everybody does so, rich or poor; and all do right, for nobody owes any public duty to pay more than the law demands." -- Hon. Learned Hand, Judge of the U.S. Court of Appeals (1924-1951)
Virtually every financial planning decision has a tax consequence in some respect, either short-term or long-term. With this in mind, tax planning is an integral part of every financial plan.
Financial Planning
Financial Planning
Financial planning is a process which allows people to reach their financial goals by first assessing their current situation and then creating and implementing a road map for achieving these goals. It takes all the previous planning strategies and provides you with a picture of where you are today so that a year from now you will be able to judge if you are better off or worse off. A financial plan is only good for the day it was conceived, because the following day life has happened and your financial plan is no longer valid. Anyone who offers to do a financial plan for you is giving you assumptions on what will or will not happen. You are best to monitor your situation on a quarterly basis...are you better or worse off? So what needs to change?
