Our Services

We serve our clients principally three ways:

Long Term Care & Medicare Financial Planning

  • Skilled Care Financial Planning
  • Medicare Insurance Options
  • Care Coordination
  • Legacy Creation / Estate Conservation

Why is this so important?  Most folks want to stay in their own home if possible – and if they can't then they want the financial means to choose where they live and receive care. Many want to leave “as much as I can” to the kids if they don't spend all their money on skilled care.  If you are worried about how to pay for and coordinate your care as you age this topic is of utmost importance.  This service entails planning strategies that can prevent a ton of headaches and help give you a sense of relief and security – not just for you but for your children. Financial products to solve this puzzle may include different types of annuities and life insurance products that offer income enhancement benefits in the event skilled care is needed, and possibly traditional long term care insurance.         

Retirement Income Planning

  • Tax Savings
  • Guaranteed Lifetime Income
  • Social Security Planning
  • Rollovers

Why is this so important?  With inflation, taxes and tax rules, social security, and health care costs – the fear or running out of money is real.  These services entail developing a plan that considers longevity and health risk, inflation risk, market risk and simplicity of execution.

Life Insurance Planning for Families and Businesses

  • No Exam Life Insurance
  • Term, Whole, and Indexed Universal Life Insurance
  • Business Life Insurance: Key Person, Buy-Sell, Collateral Debt Obligations for SBA Lending
  • Life Insurance as a componenet of Operating Agreements
  • Estate Conservation Tax Strategies

Many people have a legacy wish to leave as much as they can to their children or designated heirs, and to ensure their businesses will continue to prosper.  If you fit this bill, then this is a topic we must review.  This service entails helping you to understand how to establish a legacy, ensure your family has financial security, pass assets to your heirs' tax efficiently, protect your business, and protect your financial assets after your death.