Our wealth management services include:
- Retirement planning
- Investment strategy
- Risk management
- Portfolio management
- Insurance planning
- Estate planning
- Tax planning
- Charitable giving
- Public funds planning
Insurance is a highly underrated form of savings and protection. Our firm recognizes insurance as its own asset class. When designed and structured strategically, insurance can create a sustainable source of cash flow during your lifetime in addition to protecting you, your family and/or other key interests from the unforeseen.
Such strategies include:
When structured and utilized properly as part of a financial plan, insurance can supplement estate planning, offer income replacement and can be used as an investment strategy.
Individual Disability Insurance
Disability insurance is designed to protect the policyholder from the possible loss or reduction of income as a result of not being able to work due to a sickness, injury or disability.
Critical Illness Insurance
In the event of a diagnosis of a contract-specified critical illness, the policyholder would receive a tax-free lump sum payment to use however the policyholder sees fit.
Long-Term Care Insurance
Long-term Care coverage addresses the health, social and personal care needs of policyholders who have lost the ability to care for themselves either fully or partially.
The benefits of insurance do not have to wait until you have passed on. When design correctly, insurance can be used in conjunction with annuities to provide steady cash flow in your lifetime.
Registered Insured Annuities
A registered insured annuity is a form of insured annuity that allows you to use registered assets.