Services Individual and Family Holistic Financial Planning Investment Management Our team of Investment Advisors will recommend investments based on our client’s specific financial circumstances. We provide our clients with the opportunity to evaluate our recommendations, ask questions and make informed decisions, taking into account the advice given by your Investment Advisor. Retirement Planning Your advisor will assist you in putting together a strategy with our platform of retirement products to fulfil your unique set of retirement needs and goals. Estate, Trust and Gift Planning We all have goals we want to meet during our lifetime. The education of our children, a comfortable and financially secure retirement and perhaps a new home or a second home. The first step of estate planning is to help you plan for – and realize – these lifetime goals. It addresses your legal and financial concerns, taking into account your goals and tax considerations. It also takes advantage of existing laws and funding vehicles to help save you on taxes and manage your property in an efficient and profitable way during your lifetime. PleaEstate Planning services are provided working together with your Estate Planning Attorney, Tax Attorney and/or CPA. Consult them for specific advice on legal and tax matters. Fee-Based Planning Our Financial Planners collect their client’s comprehensive personal and financial data in order to understand appropriate goals. They will then analyze and review the data to determine the client’s financial circumstances and provide them with a written financial plan to suit their planning needs. Education Funding Saving for college is a top financial goal for millions of families. There are a number of ways to save, and 529 college savings plans are among the most popular. Whole life insurance helps protect families and offers a combination of features and benefits that may complement traditional college savings plans. Risk Management Our advisors will help you choose the best solutions for your family from our extensive suite of risk management products. We offer, but are not limited to, whole and term life, disability income, annuities and long term care insurance. Special Needs Planning The special needs market is growing at a phenomenal rate. With higher survival rates, greater life expectancies, and more extensive therapies – the likelihood that many of us will have to provide for others and the costs associated with that responsibility have increased considerably. Hence the need for a program that provides access to information and specialists that will help caregivers make those all-important life care planning decisions. Corporate Client Services Executive Benefits Executive Benefits Plans are special benefit plans that a business can provide to key employees (including corporate officer-stockholders). They can be used to attract and retain key employees by providing special benefits that are only available for a select group of management or other highly compensated employees. Employee Benefits If your company is like most, its success depends upon the efforts of its best people. That is why it is essential to hire and retain talented, hard-working individuals who can help your business prosper and grow. Competitive compensation and benefit programs are a fundamental component to attracting these professionals and retaining them for the future success of the business. Qualified Plans Qualified Plans generally refers to employer sponsored pension and profit sharing plans that meet certain ERISA and IRS rules. They generally must cover a broad group of employees and cannot discriminate in favor of highly compensated employees, such as officers or owners. If they meet the requirements, employer contributions to the plans are tax deductible, the earnings on the funds are not subject to income taxes, and the employees are only taxed when benefits are paid to them. Life insurance may be included in these plans to provide death benefits for the employees. Non-Qualified Plans A Nonqualified Deferred Compensation Plan is an arrangement where the employer can provide extra benefits to a select group of key employees over and above the limitations on qualified plans. These plans can discriminate in favor of key people, with different plans for different employees. They can provide "golden handcuffs" on the key employees by means of delayed vesting schedules. While employer contributions to a plan are not currently tax deductible, the employer can deduct the amounts when paid to the executives or their beneficiaries. Life insurance can be used to provide cost recovery to the employer. Succession Planning Business planning frequently involves planning for closely held or family-owned businesses concerning what will or should happen to the business at the death, disability or retirement of an owner. Should the business be liquidated, sold to associates or others, or continued by the family? What is the value of the business now as a going concern, what will it be worth to the family and what will the estate taxes be? How will loss of value be made up for the family? Business Planning needs to be coordinated with personal estate planning to make sure that control and value of the business is maintained.