PERSONAL SOLUTIONS

Many people think that life insurance is only for people with families. While it is 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. 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.

There are numerous financial strategies and retirement income strategies that can help you accumulate assets for the future, shield your business and personal assets from liabilities, and safeguard asset transfer to children and grandchildren. We can help you figure out what the right course of action is for your specific situation and objectives.

There are numerous financial strategies and retirement income strategies that can help you accumulate assets for the future, shield your business and personal assets from liabilities, and safeguard asset transfer to children and grandchildren. We can help you figure out what the right course of action is for your specific situation and objectives.

In an emergency in which the main provider of your family is no longer able to work, disability insurance protects your source of income so that your family still has a source of stability. When the ability to make future plans for investment (ex: school, cars, homes) based on the assumption of future income is taken away by illness or injury, we can help you protect your current lifestyle and long term goals. In addition to new medical expenses, one’s income is also reduced or even terminated at the onset of an illness or injury. As the main provider for your family, you should strongly consider disability insurance if your family does not believe it could maintain financial stability, pay its mortgage, or pay off expenses on your spouse’s income alone.

A well-engineered estate conservation plan can minimize tax liability and ensure that loved ones are protected. We will work with you and your other advisors to assess the impact of state and federal taxes on your estate and suggest strategies to help minimize those taxes while meeting your personal philosophies and family needs.