Our Services

Individual Planning

• Disability Income Insurance
  
   
• Life Insurance
  
   
• Long-Term Care Coverage

Estate Planning

Working with your attorney and accountant, we help establish a plan to achieve your goals.  Careful consideration is given to minimization of income, gift, estate, and state inheritance taxes.

• Life Insurance can be a useful product to help create liquidity within the estate to pay transfer taxes

Business Planning

Business Succession Planning

A solid business continuation plan is essential that your objectives for the future of your business are realized.

• Buy and Sell Agreements
  
   
• Disability Buy-Out
  
   
• Key Person Replacement
  
   
• Inheritance and Estate Tax Considerations
  
   
• Family Equalization Techniques

Employee Benefit Programs

• Group Medical Insurance
  
   
• Group Short and Long-Term Disability Insurance

Executive Compensation Plans

Attracting, motivating, and retaining key employees is paramount in today's competitive environment.

• Bonus Plans
  
   
• Selective "Pension" Plans
  
   
• Estate Planning for Key Executives
  
   
• Deferred Compensation