Our Services

We assist clients in planning for personal needs, often in cooperation with their accountants and their legal counsel:

- personal income protection
- estate planning
- tax-favored savings plan
- college education funding
- retirement planning

We also assist business owners and human resources personnel with the design and implementation of:
benefits for business owners, benefits for key executives, deferred compensation plans, buy/sell insurance, business overhead insurance, employee group benefits, and retirement plans.

After developing a thorough understanding of the needs of an individual or business, we utilize the following products to help achieve the desired objectives:
- annuities
- life insurance 
- disability insurance 
- health insurance 
- long-term care insurance 
- mutual funds*
- IRA`s