Introduction: As an independent firm, we emphasize diversification while tailoring insurance and investment strategies to meet our clients' objectives.
Financial Services:
Income Tax Planning:
Income and expenditures are analyzed for past, current, and future years. We then illustrate the impact of various investment and tax planning techniques on your income tax liability. Our approach is unique in that we stress continued tax planning during the calendar year rather than recording history from the previous year.
Death & Disability Planning:
We prepare in advance an income needs analysis in the event of disability and comprehensive cash needs analysis for surviving dependents prior to death.
Retirement Planning:
A pre-retirement focus is vital to the planning process. We analyze your current situation and recommend prudent retirement investment strategies to help you achieve your retirement goals.
Company Benefits Analysis:
Your employee benefits, such as medical, disability, life, pension, and retirement plans are reviewed and analyzed to determine which options to select, what coverages are adequate, or what supplemental coverage should be acquired.
Estate Planning:
We work concurrently with your estate planning lawyer in order to ensure the effective disposition of your property by minimizing estate and income taxes, and, if possible, eliminating probate costs. As a team, we strive to assure the proper transfer of assets and the appropriate appointment of guardians for your children upon your death.
We emphasize diversification while tailoring insurance and investment strategies to meet our clients' objectives.
Our recommendations may include the following:
* Real Estate Limited Partnerships
* Real Estate Private Mortgage Investments
* Real Estate Land Investments
* Precious Metals
* Limited Partnerships
* Tax Advantaged Financial Products
* Tax Advantaged Insurance Products
* Interest Sensitive Life Insurance
* Guaranteed Investment Funds
* Traditional and Equity-Indexed Annuities
* Charitable Gift Annuities
Investment and financial products are available through our relationships with over 50 different affiliates, some of which include:
* Manulife Investments
* RBC Life Insurance Company
* Allianz Life Insurance Company of North America
* Allstate Group of Companies
* Canada Life Insurance Company
The financial institutions represented enjoy a reputation for innovation, financial stability and quality client service, committed to offering their clients an unsurpassed range of quality insurance and financial products and services, while receiving preferred ratings from recognized industry analysts.
