We provide multi-disciplinary coverage analysis and recommendations as part of the overall planning process, which may include:
- LIFE INSURANCE
- DISABILITY INSURANCE
- LONG-TERM CARE INSURANCE
Our highest priority is to help you achieve financial confidence as you plan the future of your estate, wealth and business succession.
Life insurance can be a very important part of the planning and asset protection process, depending on unique client circumstances. Strategic uses of life insurance include, but are not limited to the following:
- Replacing lost income to families who have experienced a death
- Creation of tax-free liquidity for estate purposes
- Funding buy-sell agreements for business succession planning purposes
Unless you are already retired, or have reached a place of financial independence, it is likely your ability to generate income is your most valuable asset. Disability insurance is valuable protection for the loss of your income associated with sickness, accident or injury. Our team brings expert analysis of current coverage, design and implementation of personal disability programs.
Because we are all living longer, the possibility of long-term care expenses can deteriorate accumulated wealth. Our team provides expert guidance in the design of personal, corporate-sponsored tax-deductible and long-term care programs.