Products and Services

Services

Our clients can depend on us to listen, understand and protect what they value most.  Whether they are starting a family, building a business or planning for retirement, we can help design a program to help each client reach their personal and business goals through each stage of life.

EMPLOYEE BENEFITS
Providing products to help our clients attract and retain employees -  Health Insurance, Dental Benefits, Vision Care Benefits, Flexible Benefit Accounts, Group Life Insurance, Accidental Death and Dismemberment Insurance, Short-term and Long-term Disability Income Insurance.

FRINGE BENEFIT PLANNING
Helps our clients hold on to their key people - Deferred Compensation, Group Carve-Out, Individual Disability, Split Dollar Life Insurance & Selective Executive Retirement Plans (SERPS).

TAX-QUALIFIED RETIREMENT PLANS
Helps our clients and their employees prepare for tomorrow - 401(k), Profit Sharing, Money Purchase, Defined Benefit, Simplified Employee Pension Plans (SEP's) & Simple IRA.

BUSINESS CONTINUATION PLANNING
Preparing our clients for the inevitable and the unexpected - Business Overhead Insurance, Disability Buy-Out, Buy-Sell Arrangement Funding, & Key Employee Insurance

WEALTH ACCUMULATION STRATEGIES 
Helping our client grow their resources with Mutual Funds, Variable & Fixed Annuities, Managed Accounts & IRAs.

EDUCATION FUNDING STRATEGIES 
Educating our client on how to make it financially possible for their children to attend college with 529 Plans & Education Savings Accounts (ESA's).

FAMILY PROTECTION STRATEGIES 
Helping our clients keep what they've built through life insurance and disability Income insurance.

RETIREMENT STRATEGIES
Helping our clients plan against outliving their resources.

ESTATE CONSERVATION STRATEGIES 
Planning to help ensure that the federal government is not your primary beneficiary, or that your business or property doesn't have to be disposed of in a forced sale to pay estate taxes.