Insurance transfers the financial risk of life's events to an insurance company.

 Many people think that life insurance is only for people with families. While it’s true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession, or charitable giving plan. And permanent life insurance offers many living benefits as well, such as tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out—or for someone who's starting over. 

Employee Benefits are company sponsored group medical plans, dental plans, vision plans, retirement plans, and fringe benefits offered to employees when they are associated to an employer. In a competitive labor market, a good employee benefits package can help an employer to stabilize and grow its work force.

When designing an Employee Benefits package, an advisor must consider the type of business, work force, wages, job descriptions, employee turnover, company budget, and employee participation. Within medical, retirement and fringe benefits plans, an employer has many options to choose from, thus a comprehensive assessment of the company's objectives is very important. Each benefit offered can be minimal or broad depending on how the employer chooses.

 To execute a sound retirement strategy, asset and income protection are a must. Designing a strategy that encompasses managing costs for extended periods of care and disability insurance can help create the necessary balance in a portfolio to ensure stability and protection of assets. 

Best Options. Favorable Prices. 

We submit multiple applications to several of our top carriers including our exclusive program. Since we specialize in your business, we can negotiate rates on your behalf.

 When you leave a job or retire, you have a decision to make regarding your 401(k) money. While leaving those assets in the former employer's plan is an option, a rollover can be a consideration. Working with your tax advisor, we can help you determine the right course of action for you. Each choice offers advantages and disadvantages, depending on your specific needs and retirement plan, such as the desired investment options and services, applicable fees, expenses, and withdrawal options, as well as required minimum distributions and tax treatment of applicable options. You may owe taxes if you withdraw funds from the plan. 

As a new Medicare beneficiary, you have important decisions to make about the future of your healthcare.  Unfortunately, understanding the “ins-and-outs” and selecting the right plan can be challenging.