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OUR SERVICES

What do we do?     How does it benefit you? 

What sets us apart?    Why should you work with us?

            Our work is customized for every client.  Here is a general outline of our services:

1. We help you establish realistic goals, and create specific plans to achieve them.

2. We help you select financial vehicles to build wealth for your future.

3. We help you determine the right insurance for your needs, in terms of amount, type,

    outlay, duration, etc.

4. We work closely with carriers to implement any and all insurance.

5. We introduce to you select professional advisors for your accounting, legal, trust and

    other needs, at your request.

6. We help widows, widowers and other survivors with final arrangements, claim

    submission, asset inventory, etc.

7. We help survivors obtain Social Security and other benefits.

8. We plan and advise funding for business succession.

9. We help establish parameters for wills, trusts and other necessary documents in

    conjunction with your professional advisors.

10. We coordinate all insurance, investment and financial programs.

11. We help plan distributions from IRA’s and employer retirement plans for greatest

      tax efficiency.

12. We provide one point of contact for your insurance and financial needs.

13. We help you to maintain and update beneficiaries on all relevant documents.

14. We help arrange education funding for children.

15. We advise on and implement Long Term Care and Critical Illness protection.

16. We arrange brokerage accounts for IRA, SEPP, SIMPLE, Pension, Profit-Sharing,

      Defined Benefit and other retirement programs.

17. We arrange mutual fund, general securities, and managed accounts.

18. We help protect earned income against disability caused by accident and illness.

19. We help business owners arrange Buy-Sell, Stock Redemption and other business

      programs.

20. We conduct employee enrollment and benefit review meetings.

21. We help business owners set priorities regarding benefits, insurance, tax strategy,

      business plans, and mission statements.

22. We negotiate on behalf of our business clients with carriers for group medical and other

      benefit programs.

23. We help high-risk clients obtain proper coverage.

24. We place higher limit or specialty coverage for entertainers, professional athletes,

      surgeons and others.

25. We provide perspective and professional advice during periods of uncertainty.

26. We perform periodic reviews to keep programs current and conforming to current law.

27. We conduct seminars for employers or groups on a wide range of financial topics, (i.e.

      college funding, senior care issues, tax strategies, retirement choices,  etc.)

28. We consult for every business or financial scenario.

29. We submit death, sickness, disability or other claims on behalf of our clients for all

      policies, whether carried with our firm or not.

30. We contribute a portion of our profits to local charities and non-profit groups.

31. We arrange funds for emergency, business and investment opportunity, education,

      retirement and other needs.

32. We help our clients operate comprehensive financial plans for businesses, individuals

      and families.

33. We are positioned to grow with our clients’ needs.

34. We have 30+ years experience in each field of expertise: Group Benefits, Estate

      Planning, Business Retirement Plans, Property/Casualty/Workers Compensation.

35. Our staff is professional, courteous and efficient.

36. We help you minimize transfer taxes in any political or economic environment so more

      can be passed on to heirs.

37. We coordinate Incentive Trust planning in concert with your other advisors.

38. We review and advise on Tax-Managed investments.

39. We arrange coverage for older ages.

40. We demonstrate the “real” cost of various insurance programs.

41. We assist in best methods to pay off mortgages early.

42. We conduct financial fitness seminars for church and civic groups.

43. We offer networking and business expansion opportunities among our clients.

44. We continually enhance existing skills and add new ones, to provide cutting edge

      advice, service and products.

45. We ensure cross-training for staff in all positions.

46. We are licensed in multiple states and appointed with most major carriers.

47. We have a multi-discipline, full-service team approach.

48. Our offices provide a comfortable and confidential setting for client meetings.

49. We insist upon absolute, uncompromising integrity.