Personal

Asset Transfers

• If unproductive or underproductive money accumulations are found in a client’s financial inventory, consideration will be given to finding an appropriate product to re-employ those assets, safely.

Capital Accumulation

• Simply put growing your money safely over a reasonable time period with "safe money" products.

Family Protection Plans

• Using annuity products or life insurance to make sure a client’s family has the ability to remain comfortable in their own lifestyle for some definable time period.

Estate Plan Funding

• Appropriate products designed to protect a client’s lifetime accumulation of assets to make sure they may be passed to the heirs as designated by the client.

Retirement Planning

• Accumulation: use of "safe money" products to accumulate money earmarked for retirement income over a period of time.
• Distribution: use of "safe money" products to assure maximum income, minimum erosion from taxes and, if desired, continuing income for a named beneficiary for life or some defined period of time.
• Rollover/Transfer: when justified or deemed appropriate, moving money from another retirement account to a "safe money" product.

Business

Business Continuation Funding

• Using life insurance products to provide the money required to make a business buy and sell agreement work.
• The buy and sell agreement dictates how ownership will transfer at the death of an owner. Proper funding makes sure it happens at the most favorable cost to those involved.

Bonus Plans

• At times a business may want to reward a valued employee with something other than cash distribution. "Safe money" products may be used to leverage the bonus.

Key Person Insurance

• Every business has one or more employees whose loss may severely impact the health of the business. That person should be insured for some reasonable amount to provide the business with money to keep the doors open and find a replacement.

Individual and Small Business Retirement Plans

• There are a variety of qualified options available; IRA, Roth IRA, Simple Plans, Simplified Employee Pension; and these should and would be reviewed to determine appropriateness for the client.
• There are also non-qualified options for accumulating money that should also be explored.
• Both options utilizing "safe money" products.