We all want to accumulate assets, but we often forget that the best form of financial planning is the ability to retain and protect those assets. We believe that the foundation for wealth accumulation is a financial plan that is based on protecting you and your family, your business partners, and your employees.

We can help you grow your business and meet your personal financial goals by establishing a healthy balance between your personal and professional needs. We do this by offering a broad range of products and services:

FOR INDIVIDUALS

- Risk management (term, whole, and universal life insurance)
- Income protection (disability income policies)
- Long-term care
- Special needs care (for families that have members with physical/mental handicap)
- Retirement planning
- Estate and tax planning
- Wills and trusts
- Charitable giving structures
- Asset protection

FOR BUSINESSES

- Tax reduction strategies
- Key man insurance
- Executive compensation plans
- Business continuation plans
- Buy-sell agreements
- Defined benefit and Section 79 plans
- Captive insurance companies
- Asset protection

For BUSINESS OWNERS and SELF-EMPLOYED individuals, we can set up plans that allows the client to purchase a fully-paid, cash value whole life policy or annuity practically for FREE by using tax dollars. The money accumulated in the policy can then be leveraged up to obtain additional investment income.

We take pride in our personalized approach, which is geared to the establishment of a long-term relationship with our clients. We will work with you to prepare a tailored solution that fits your specific needs. Once the plan is implemented, we will provide periodic reviews to ensure that your financial plan is always up-to-date.

Call us to discuss your specific needs.