Services

Family and Individual Planning


Below are brief summaries of some of the topics that may arise as we explore your long- and short-term financial goals. The information will give you something to consider as you prepare for our initial review.

Accumulating and Distributing Retirement Assets

Retirement can signify a lot of things to a lot of people: sailing off into the sunset with your beloved; never having to worry about waking up early to catch the morning train; finger-painting with your grandkids. But to make these dreams a reality, you'll need to create a nest egg that will make your retirement years as comfortable, if not more, as when you were working.

Essentially, it's never too early to think about saving for your golden years. As the average lifespan increases, you should be prepared to put aside more to accommodate a longer retirement.

We understand the importance of having enough to spend during your retirement. That’s why we offer a variety of insurance and financial products that can help you fund your retirement, and make the money you’ve worked for years to save go even further.

Creating a Lasting Legacy for Loved Ones

With hard work and careful planning during your income-earning years, you may have built a healthy nest egg, sufficient to ensure a comfortable, independent retirement. You may actually be in the enviable position of being able to leave something to those you love the most: your spouse, children, grandchildren, and perhaps your favorite charities. Now's the time to seize the moment and put together a plan that creates a legacy for those you love.

Your Children's Education

Consider this scenario: The car's packed and the teary good-byes have been exchanged. You may feel as though your baby's leaving you, but this is one of the proudest moments of your life. You've scrimped and saved to afford your child's education, and now that the day is finally here, you can breathe a sigh of relief. Thank goodness you planned ahead and started saving early so that the next four years won't be so financially stressful.

Now, consider the alternative: What if you didn't plan? Then those next four years could be your worst nightmare, turning into a juggling act of student and parent loans, financial aid requests, and semesterly payments. Fortunately, we understand the importance of funding your children's education, and, therefore, offer a selection of products to help you meet that goal.

Of course, we can't promise that you won't get the occasional phone call, "Mom? Dad? I'm a little low on cash.…"

Safeguarding Your Home Mortgage

There's nothing like the feeling of owning your own home. It's a part of the American Dream - to live in a home that you can truly call your own. Between picking out curtains and paint samples, you should also remember that your house is an investment. Your home represents many things – a place to raise a family, comfort, and a major financial commitment. Like other valuable assets in your life, it too needs to be protected. Realizing how important your house is to you and your family is the first step. Deciding on ways to safeguard your investment is an important step that will help guarantee the joy of owning your home for years to come.

We can help alleviate some of the worry that comes with ownership. One major concern may be that your family will face difficulties paying off the mortgage in the event that you pass on. One of the ways to help assure your family's financial security is to consider life insurance products as mortgage protectors. Products such as Permanent Life and Term Life insurance are personally-owned and portable. If purchased in an adequate amount, the death benefit can help retire the mortgage, and also help provide money to cover other expenses. Ensuring your family's future now will help ease your mind, and let you concentrate on the really important things…like choosing between carpet or hardwood floor for the dining room.

 

Solutions for Your Business

 

If you are a business owner, you have the added responsibility of your business to worry about on top of your family. The following information can help you start thinking about possible fulfillments to your needs and help you prepare to consult with us.
 

 

Helping Your Business Grow

Don’t have a Harvard MBA? You're not alone. Most successful entrepreneurs started out with what seemed like a good idea and ended up running a business of their own. How can you learn to manage the business side of business? Read, study, ask lots of questions, and seek out sound advice from your tax, legal and financial advisers. You can turn to us to discuss how the insurance and financial products that we offer can help you support your business growth plan.

Business Continuation Planning

As a business owner, you are the lifeblood of your organization, the driving force behind its success. Have you considered what will happen to your business when you are ready to retire? Do you have children or other family members ready to continue the family business? Or is there another successor in line who will be able to pick up the reins? Most of all, if you died prematurely or became disabled, will the business you worked so hard to build be able to continue...and will your family be financially provided for? Tough questions, yes, but ones you need to ask.

Retirement/Estate Planning

One of the nice perks of being self-employed or a business owner is that you don't have to retire. You're a doer. You like to make decisions and see results. But maybe someday - perhaps when you're 65, 75 or older - you just might want the option to trade the fun and frustration of work for golf, gardening, vacationing with the grandkids or sitting back and relaxing with family and friends. Just as important, you also want to have all your ducks in a row, so to speak, when it comes to making sure your loved ones are well provided for in the future. These goals will be accomplished as a result of the decisions you make today. That means retirement planning and estate planning – mapping out a strategy to create options for you and for your family. Fortunately, there are more retirement and estate planning choices available today than ever before for business owners and those self-employed. We are here to help you begin the process of planning. As the old saying goes: Those who fail to plan...fail.

Life Insurance for Risk Management

As a business owner, you live with risk. That's the nature of business. You take on risk when you borrow money to expand, launch a new product or service, hire a new employee, extend credit to a customer, etc. There are dozens of risks in business...and few guarantees. Successful business owners, therefore, work to minimize risk so they can focus on meeting their objectives. Life insurance is a risk management tool. For instance, if your company invested in new facilities or new vehicles, you would insure their value against the danger of theft, fire and accident. In the same way, life insurance can help protect the value of key employees to your business, reduce the risk that a loan might default if something happened to you, and, most of all, reduce the risk that your business and your family would suffer financially if you did not live to see your long-term plans completed.

Employee Benefits

Finding quality employees is half the challenge. Keeping them – and keeping them well motivated – is the other half, especially in today's tight labor market. One way to do that is to provide competitive benefits. I know, when many small business owners hear the words "employee benefits," they immediately think, "one more expense I can't afford!" If this sounds like you, you might want to think again. Two reasons: (1) Carefully selected benefits can help reduce costly employee turnover, boost morale and, in turn, help assure your company's stability and productivity. (2) Benefits need not cost you an arm and a leg. For example, a voluntary payroll deduction program lets workers – including you as an owner-employee – acquire valuable benefits at virtually no cost to you.


Let’s work together to analyze your needs. We can then guide you in deciding what products and services would be right for you and your business. Please contact us so we can help!

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