Product Solutions
We offer a full suite of competitive protection and accumulation products designed to help you achieve your financial goals. While each of our clients are unique, many of the situations they face - whether as individuals or with their business – can be more effectively addressed by using specific products, concepts and strategies.
Life Insurance
Life insurance can be the foundation of your financial security and can provide comfort and stability for your family. The purpose of life insurance is to help provide your loved ones with financial protection after you die, in exchange for the premiums you pay to your insurer during your lifetime. Some life insurance policies can provide you with financial protection for the short term, while others accumulate cash value, offering a living benefit that can be used for supplemental retirement income, funding for a child’s education, or cash for emergencies.
Disability Insurance
Disability insurance can help provide financial security for both you as the business owners and the company in the event of a disability. Business owners will be able to maintain the business or transfer ownership of the company during an extended period of disability. Disability insurance can also provide benefits should principals become too sick or injured to work. These benefits can help to keep the business running by covering overhead expenses, or by providing multiple owners with a buy-out option.
Wealth Management Solutions
With wealth management services, our advisors can simplify the investment process by designing an investment program to help meet your financial goals. Our advisors have access to a wide variety of programs and strategies — all uniquely designed to meet your needs. We help you navigate your choices and connect you with investments that may help you reach your financial goals–no matter where you are in life. Our advisors help you build, grow, and transition wealth through different life stages and for future generations.
Annuities
There are many different ways to think about retirement, and your dreams may not appear on anyone’s bucket list but your own. No matter how you envision retirement, having the freedom to live life your way will depend, at least in part, on having a secure source of reliable income. Annuities are one of the few sources of retirement income that can guarantee income for life.
Long Term Care
For most of us, it is unpleasant to envision a time when performing routine tasks may become difficult as the result of injury, illness or aging. If the time comes when you need substantial assistance performing daily tasks, it is unlikely you will want cost to be the primary decision-making factor for your long term care. Long term care (LTC) services can be expensive and costs generally continue to rise. Planning early can help ensure that you have more control in receiving the type of care you want — in the setting you choose, should the need arise.