Our Services

Families ~ Corporations ~ Institutions Selective Compensation Programs

• Deferred compensations and 401k plans – shelter income from current taxes
• Salary continuation plans – receive tax free income
• Split-dollar insurance – minimize out of pocket costs using corporate leverage
• Pension/Profit-sharing plans – designed to favor owners and key employees
• Key-person insurance – prevent severe economic loss to business

Ownership Transference Techniques

• Buy/Sell Funding – guarantee a buyer for your business
• Stock redemption – insure sale price and funding
• Recapitalization – shift tax liability on future corporate growth
• Installment sale – amortize your tax liability
• Private annuity – sell your business and receive a lifetime income
• Shareholder liquidity and capital formation

Group Benefits

• Financial planning seminars counseling
• Group life, health and disability insurance
• Employee benefit cost control

Special Services

• Assistance in business valuation to facilitate sale or for estate tax considerations
• Incorporation feasibility studies
• Financial counseling – coordinate all financial goals with fringe benefit analysis Pension fund management selection and evaluation

Wealth Management

• Employee stock option exercises
• Alternative investments
• Restricted and control stock sales
• Liquidity solutions, hedging strategies
• Loan advance and credit advance
• Asset protection

Retirement Planning

• Pension maximization
• Retirement timing
• 10 year cash flow projections
• Determination of income and capital need
• Capital accumulation

Education Planning

• Projections of college expenses
• Funding strategies
• Gifting

Investment Planning

• Goal and strategy determination
• Asset diversification
• Risk-Reward analysis
• Performance Monitoring

Fringe Benefit Planning

• Contingency planning for disability
• Minimizing dependence on company benefits
• Utilization of company savings plan

Tax Planning

• Maximizing deductions 
• Tax-advantaged investments
• Tax reductions strategies
• Proper utilization of tax law change

Estate Planning

• Tax minimization
• Family survivor income
• Liquidity sufficiency
• Property titling and ownership planning
• Survivor asset management
• Estate distribution planning
• Trust planning and administration
• Charitable/Philanthropic strategies