RETIREMENT/ EDUCATION PLANNING

  • Traditional IRA
  • Roth IRA
  • SEP Plans
  • SIMPLE Plans
  • 401(a)
  • 457(b)
  • Roth 403(b) And 457(b)
  • Owner 401(k) And Roth 401(k)
  • 403(b)
  • 403(b)(7) Plans
  • Pension/Profit-sharing
  • Coverdell Education Savings Accounts
  • 529 Plans

 

 INVESTMENT PLANNING

  • Asset Allocation
  • Traditional Brokerage
  • Establish And Monitor Tolerance For Risk
  • Monitor Online And Local Bank Interest Rates
    To Make Sure We Are Maximizing Interest On Cash
  • Customized Access For Each Client To Portals
  • Behavior And Emotional Management Of Investments
  • Communication Plan For Downturn In Markets

 INVESTMENT ADVISORY PROGRAMS

  • Professionally Managed Portfolios
  • Institutional Money Managers
  • Separately Managed Accounts

 EQUITY INVESTMENTS

  • Stocks
  • Mutual Funds (Growth-oriented)
  • Asset Allocation Funds
  • Sector Funds
  • Unit Investment Trusts (Growth-Oriented)
  • Alternative Investments
  • Structured Products

 FIXED INCOME INVESTMENTS

  • Mutual Funds (Income-Oriented)
  • Unit Investment Trusts (Income-oriented)
  • Corporate, Municipal And Government Bonds
  • Money Markets
  • Certificates Of Deposit

 ANNUITIES

  • Fixed (Single Flexible And Immediate)
  • Variable Annuities (Immediate And Flexible Payment)
  • Group Annuities (Qualified Retirement Plans)
  • Equity-Indexed Annuities

 RISK MANAGEMENT

  • Life Insurance
  • Annual Renewable Term
  • Level Term — 10-, 15- And 20-year
  • Whole Life
  • Universal Life
  • Variable Universal Life
  • Survivorship Variable Universal Life
  • Survivorship Universal Life
  • Equity-indexed Universal Life

 BUSINESS CONTINUATION PROGRAMS

  • Key Person Coverage
  • Buy-sell Agreements
  • Succession Planning
  • Business Overhead Expense
  • Disability Buyout
  • Employee Stock Ownership Plans (ESOP)

 GROUP HEALTH AND LIFE INSURANCE2

DISABILITY AND LONG-TERM CARE INSURANCE

  • Individual Disability Income Insurance
  • Group Long-term And Short-term Disability Income Insurance
  • Employer-sponsored Individual Long-term Care Insurance
  • Individual And Group Long-term Care Insurance
  • Business Overhead Expense
  • Disability Buyout Protection

 FINANCIAL PLANNING3

  • Fee-based Financial Planning
  • Equity Compensation (Stock Option) Analysis
  • Goal Planning
  • Personal Financial Plans

 BENEFITS

  • Employee Benefits
  • Dental Insurance
  • Vision Coverage
  • Life Insurance
  • Disability Income Insurance

 EXECUTIVE BENEFITS

  • Bonus Plans
  • Deferred-compensation Plans
  • Split-dollar Plans

 ESTATE PLANNING STRATEGIES

  • Legacy Planning
  • Beneficiary Review
  • Succession Planning
  • Planning For Surviving Family Members

 CUSTOM GOAL PLANNING

  • Education Planning Ideas (529 Planning)
  • Student Loan Debt Planning
  • Equity Compensation For Executives
  • Sudden Wealth Planning For Inheritance
  • Planning For Divorce

 

1 Investments are subject to market risks, will fluctuate and may lose
value.
2 Subject to availability by state and location
3 Fee-based and non-fee-based financial planning is offered by financial
professionals who are investment advisor representatives.