Services

Because there are many factors that may change in your financial plan, it is extremely important to be proactive, which is why we strive to keep you informed of all the current developments in the financial and insurance industry that are relevant to the design of your specific plan. We are committed to keeping you positioned against all relevant risks to your money – such as tax, estate and social security laws, health care regulations and inflation among others, to provide you with the best advice for your individual and unique situation.

There are many insurance products in the market today, that’s why choosing a plan that best fits an individual client’s needs can become complicated. For this reason, it’s imperative that an informed decision be made based on a full assessment of each client’s individual needs and objectives. Everyone’s situation is different, and we can help eliminate some of the confusion by helping you choose from a comprehensive suite of products and services that can be tailored to your unique position.

401(k) Retirement Plans and Individual Retirement Accounts

A 401(k) is a feature of a qualified profit-sharing plan that allows employees to contribute a portion of their wages to individual accounts.

529 Qualified Tuition Plans

Are programs set up by the state or by an eligible educational institution that allows taxpayers to contribute to either a fund that prepays qualified educational expenses or a savings account for a designated beneficiary.

Annuities

An annuity is a contractual financial product sold by financial institutions that is designed to accept and grow funds from an individual and then, upon annuitization, pay out a stream of payments to the individual at a later point in time.

Qualified Retirement Plans

A qualified retirement plan is an employer sponsored plan that meets the requirements established by the Internal Revenue Service (IRS) and the US Congress.

Simplified Employee Pension Plans

Simplified Employee Pension (SEP) plans can provide a significant source of income at retirement by allowing employers to set aside money in retirement accounts for themselves and their employees.

Group Retirement and Savings Plans

Group Retirement Solutions (GRS) offers a range of services and support including innovative education resources and retirement planning tools.

Other Retirement Plans Designed Specifically for Employee Groups

An annuity is a contractual financial product sold by financial institutions that is designed to accept and grow funds from an individual and then, upon annuitization, pay out a stream of payments to the individual at a later point in time.

Life Insurance

A life insurance policy is a contract with an insurance company. In exchange for premium payments, the insurance company provides a lump-sum payment, known as a death benefit, to beneficiaries upon the insureds death.

Long-Term Care, Disability and Critical Illness

Group Retirement Solutions (GRS) offers a range of services and support including innovative education resources and retirement planning tools.

Health Insurance Group Health Benefits

Group health insurance coverage is a policy that is purchased by an employer and is offered to eligible employees of the company (and often to the employees’ family members) as a benefit of working for that company.