Helping Clients Grow &
Protect Wealth Since 1985

Insurance Planning Services

The winds of life blow on us all; sometimes those are good winds, and sometimes they bring trouble. Insurance is first and foremost a tool of protection, and provides the base of protection that every successful financial plan requires. Our clients tell us their insurance program is one of the main factors that allows them to sleep at night, knowing their loved ones and their wealth are well-protected.

We have several ways that we help our clients assess their level of risk. We then customize a plan to meet their needs, both personal and business. Generally, your insurance program is made up of four main areas.

  • Protection Planning:
    Protecting your family and loved ones from financial hardship. Designed to replace lost income upon death or disability, and protect existing assets.
  • Living Benefits:
    Providing supplemental funds for retirement or long term care. Designed to take advantage of the tax code, thereby making funds available for future use.
  • Wealth Transfer Planning:
    Protecting your current wealth, and maximizing your multi-generational plan. Designed to provide cash to pay estate taxes, equalize inheritances among heirs, and leverage wealth through gifting.
  • Business Planning:
    Providing solutions to keep a closely held business viable during times of death or disability. Designed to replace lost income upon death or disability, to provide funds for sale/purchase of the business, to retain key employees, and provide collateral for business loans.

Let us show you how we coordinate these areas to help you build the financial confidence that you deserve.

Here are the Insurance Products and Services we provide:

  • Life Insurance
  • Disability Income
  • Disability Retirement Security
  • Long-Term Care
  • Buy-Sell Funding
  • Key Man Protection

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