Financial Services

We’ve recognized that in this economy it is more important than ever to properly plan your financial future. We provide our clients with a full analysis of their current needs and future goals, putting together clear and easy to understand solutions.
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Products:
Basic Info:

Life Insurance:

A policy that pays a designated beneficiary sum of money (the “death benefit”) upon the death of the insured person. These policies can be designed to assist in family protection, business planning and retirement goals.


Annuities:

Usually a single premium policy that will later be distributed back to the insured party over time. Annuity contracts traditionally provide a guaranteed distribution of income over time, until the death of the person or persons named in the contract or until a final date, whichever comes first.


SEP-IRA:

Adopted by business owners to provide retirement benefits for the business owners and their employees.


College Planning:

Creation of a savings plan for higher education needs that may include the use of tools such as 529 Plans, Life Insurance and traditional savings.


Investments:

Putting money into a financial vehicle with the expectation of gain, that upon thorough analysis, has a high degree of security for the principal amount, as well as security of return, within an expected period of time.


401(k):

Type of retirement savings account which takes its name from subsection 401(k) of the Internal Revenue Code. 401(k) are “defined contribution plans” with annual contributions that are from paychecks before taxes and then taxed when a withdrawal is made from the 401(k) account. Depending on the employer’s program a portion of the employee’s contribution may be matched by the employer.


Retirement Planning:


Buy-Sell:

A contract among members of a firm that provides for the continuation of the business through an agreement by which each principal agrees that, in the event of his or her death, his or her estate will sell its interest back to the business entity for a predetermined amount. The amount may be calculated as a fixed amount or as a variable amount, depending on business factors. The agreement is usually funded by life insurance.


Long Term Care (LTC):

Provides for the cost of care generally not covered by health insurance, Medicare, or Medicaid. Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.


Disability:

Health insurance that provides periodic payments to replace income lost when the insured is unable to work as a result of sickness or injury.


Just the basics and we’ll contact you!