Your life insurance needs are well beyond the expertise of an online customer service agent
There are plenty of online options for the masses to find the most affordable life insurance. Your advice should not be based on the limited knowledge of someone that only spent 52 hours to get a state insurance license.
Your needs do not fit the ordinary and your primary consideration is the value of your time. You require sound advice and subject matter expertise for your specific and unique situation. Consider a conversation with a financial advisor who is a fiduciary, securities licensed, well versed in investments, retirement, taxes, trusts and business planning. Then and only then can all factors be properly weighed to provide the best advice. We can support you through your more complex needs.
Estate Planning Considerations
Your life insurance should outlive you, but once it becomes part of your Estate Planning, it must be designed to live beyond you. There is no place for short sighted implementation when it comes to your estate needs.Retirement Planning Considerations
Life insurance is generally a selfless endeavor. It represents a safeguard for those we love. Your plans could also be designed to represent your living needs through Retirement Planning for today while also providing for your loved ones for tomorrow.Business Planning Considerations
Do you have business partners? Have you thought about business succession strategies? Do you have valuable key employees or executives? Ensure that your best interests and those of your company are protected.Tax Planning Considerations
Legislation ushers change that wavers from favorable to unfavorable with forever growing partisan divides over tax law. No one knows which direction the winds will turn, but making sure that your tax planing prepares you either way is a necessity.Legacy Planning Considerations
Albert Eistein famously said that compound interest is the most powerful force in the universe. Imagine how legacy planning could allow you a powerful instrument that is tax favored, without 1099s, without capital gains and without restrictions of use for your children or grandchildren.Charitable Giving Considerations
You’ve been fortunate enough to share your good fortune with others. Your ideal plan would allow you to support your beloved causes well into the future. Optimize giving beyond your lifespan.Income Protection Considerations
The best laid plans can often go awry along the way to retirement. A contingency plan for living expenses in the event of a disability is crucial to maintaining your lifestyle. This risk is further multiplied when you are the primary household income or a principal business partner.Long-Term Care Planning Considerations
Quality of life and dignity to make your own decisions before health challenges limit your ability to do so are paramount. Today, options exist that allow for personal needs and legacy concerns to both be met. The best time to think about long-term care is before you ever need to.Whole Life or Universal Life
Only 2% of Term Life Insurance is ever paid because the average person outlives it. You understand that a Permanent Life Insurance policy makes more sense for long term planning, but do you look at one based on the Stock Market or Dividends?Get the best advice for your situation
Anyone can give you a life insurance quote. Speak to a knowledgable financial advisor, well versed in more complex personal and business life insurance scenarios who knows the right questions to ask.
Your goals, your needs…, service the way it should be, focused on you
Leave nothing to chance – success is by design, not by accident
It is essential to plan for contingencies with reviews at regular intervals for the best long-term results
Value only comes from professionals who design a personalized and comprehensive strategy
Success isn’t permanent and failure isn’t fatal
Beliefs transform, goals shift and revelations occur. Embrace the setbacks, but understand the implications
No decision begins badly, but as your life unfolds and circumstances change, it can prove not to suit you later. Any individual or combination of life events warrant a professional opinion to confirm if your original plans are still sustainable.PERSONAL LIFE CHANGES
Marriage, Divorce, Children, Grandchildren, College PlanningPROFESSIONAL LIFE CHANGES
New career, Business acquisition, Partnerships, Succession, RetirementGOAL ACHIEVEMENTS
Financial, Real Estate, Relocation, PhilanthropyCHALLENGES
Health, Caring for aging parents, Governmnetal or Legistative changesTestimonials
Earning the right to be a trusted advisor requires a team and resources to provide top-notch solutions across all disciplines, legal, accounting, tax and risk management
I waited until I was 60 before I looked into succession planning. I also realized that the best potential legacy for my company came from key employees. With guidance, I designed a buyout, backed through a cross purchase of life insurance to protect personal and professional interests. I owe a considerable gratitude to the advisors that not only supported me from conception to execution, but also worked so well with my CFO and attorneys to bring it all together.
Joseph N.
After the dust settled about two years to the day of my late husband’s death, I began to look at my financial life with my future in mind. This became even more complicated when I found myself considering remarrying. It was a blessing to have all my options (including many I had not considered) laid out for me. It is good to know that business can still be conducted with my best interests placed first. Thank you so very much!
Barbara H.
The doctors told me that I could have up to five years. I wanted to make sure my husband would be set, but the small amount of life insurance I had prior to diagnosis would not be enough. My advisor showed me how I could increase my current policy without triggering tax concerns and invest other monies without worrying about the stock market. My health has been a major concern, but now my financial worries no longer are. I cannot tell you how much I appreciate my advisor giving me this peace of mind.
Tina D.
What is most important to you?
Schedule a conversationYou are welcome to schedule a 15 minute complimentary phone consultation with the button above or send your confidential questions on our contact form below.
>We make every effort to respond within the same business day.