Products & Strategies

We educate and coach individuals and businesses in the following areas:

Strategies

Business Planning

Captive Insurance Co. Planning¹
Buy-Sell Agreement Funding
Non Qualified Deferred Compensation
Executive Bonus Strategies
Split Dollar Plans

Charitable Planning

Charitable Bequest of Charity Owned Life Insurance
Charitable Remainder Trust with Life Insurance (CRT)
Stretch IRA vs. Life Insurance in CRT

Retirement Planning

Non-Qualified Retirement Strategies
Retirement Plans for Businesses
Retirement Benefits with the use of Life Insurance²
Diversified Retirement Income Sources
Life Insurance in Qualified Plans²
Roth, Traditional and other Qualified Planning

Estate Planning

Multigenerational Legacy Planning
Premium Financing¹
Private Split Dollar
Credit Shelter Trust Strategies³
Survivorship Trust Planning3
Spousal Access Trust Planning3
Irrevocable Life Insurance Trust (ILIT)3

Protection & Education Concepts

College Planning
Buy Term Invest the Rest (Fact or Myth)
Protection Strategies
Term Conversion Strategies

Investments

Personal & Custom Money Management
Bonds
Common Stock
Educational IRA
Traditional IRA
Roth IRA
SEP IRA
Simple IRA
Brokerage Accounts
Treasury Bills
Government Securities
Treasury Notes
Variable Annuity
401(k)
403(b)
Profit Sharing Plans

Financial Planning

Tax Advantaged Strategies
College Planning Strategies
Estate Planning Strategies
Money Management Leveraging Strategies

Insurance

Life Insurance

Whole Life
Index Universal Life
Universal Life
Term Life
Variable Universal Life

Disability Income Insurance
Life Insurance
Long-Term-Care Insurance

Annuities

Fixed Interest Rate Annuities
Indexed Annuities
Variable Annuities
Immediate Annuities

¹Creation of the Captive Insurance Company subsidiary is arranged by an independent third party specialist.

²The use of cash value life insurance to provide a tax-free resource for retirement assumes that there is first a need for the death benefit protection. Policy loans and withdrawals reduce the policy’s cash value and death benefit and may result in a taxable event. Withdrawals up to the basis paid into the contract and loans thereafter will not create an immediate taxable event, but substantial tax ramifications could result upon contract lapse or surrender. Surrender charges may reduce the policy’s cash value in early years.

For advice concerning your own situation, please consult with your appropriate professional advisor.

³Through our Professional Associates