CD Alternatives

Guaranteed rate, tax deferred alternative to lower-rate, taxable Certificates of Deposit. Designed to accumulate money for retirement, while reducing your taxable income. Allows for partial annual withdrawal, lifetime income or lump-sum withdrawal at maturation.

Retirement Planning

The process of setting aside funds to provide deferred income benefits at retirement.

• IRA                      • ROTH IRA

• Rollover IRA      • SEP

Income Planning

The process of helping individuals prepare for retirement’s transition from asset accumulation to income generation and asset distribution.

• Guaranteed Lifetime Income

• Pension Maximization/Pension         Protection.

Insurance Planning

The process of assisting an individual to care for loved ones in the event of a catastrophe and/or transferring risks by ensuring lifestyle continuation and asset protection.

• Major Medical / Health Insurance / Dental

• Accident

• Mortgage & Income Protection

• Retirement Supplements

• Non-Qualified Deferred Compensation

Legacy Planning

The process of helping individuals articulate, create and implement an end-of-life plan that is consistent with their values and final wishes. Extends peace of mind well beyond the benefits of a will and life insurance.

• Express wishes & share precious memories

• Prevent family feuds

• Pass on family values

Medicare Planning / Health

The process of explaining to individuals the Medicare program and associated supplemental services designed to decrease financial risks associated with medical costs.

• Medicare Supplement

• Part D Prescription Drug

• Cancer/Heart/Stroke/Critical Illness

• Funeral / Final Expense

• Long-Term Care / Asset-based

• Lump-Sum Cancer

• Medicare Advantage

Estate Planning

The process of arranging your financial affairs so that your wealth will be distributed according to your wishes after your death and to avoid undue taxation.

• Intergenerational Wealth Preservation

• Estate Tax Reduction Strategies

• Family & Asset Protection