PERSONAL SERVICES
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Asset Management
Asset management helps our clients enhance their wealth by aiming to maximize after-tax return with a reasonable level of risk. To accomplish this objective, we integrate active portfolio management with a commitment to after-tax strategies across all appropriate asset classes. We work closely with you to design and manage a strategy that complements your specific investment objectives. Your asset allocation can consist of quality money market funds, equities, and investment-grade fixed income obligations.
Insurance and Annuities
Life insurance is an important part of a complete financial plan. It protects your heirs in the event of your death, and it can protect you in the event of a disability as well. We can help you determine which type of coverage best suits your needs. We provide access to a variety of life insurance products, including term life, whole life, universal life, variable life, survivorship, and single premium life insurance.
We also offer disability insurance. Many people purchase life insurance to protect their families should they die prematurely, but according to data from the Society of Actuaries, people in their working years run a greater risk of being disabled than they do of dying. We can help protect your income from this pertinent risk by exploring a variety of disability insurance options that are tailored to meet your unique needs.
An annuity is a contract between you and an insurance company that is designed to meet retirement and other long-range goals, under which you make a lump-sum payment or a series of payments. In return, the insurer agrees to make periodic payments immediately or at some point in the future. Annuities typically offer tax-deferred growth of earnings. Often, they are used as a retirement planning tool to provide a guaranteed stream of income or specified death benefit to your beneficiaries. The guarantees are based on the claims paying ability of the insurance company.
Long-term Care Insurance
It is likely that you will need to pay for nursing home, assisted living, or home healthcare services one day. In fact, more than half of the U.S. population will require long-term care at some point in their lives. Unfortunately, this kind of care is expensive and Medicare does not cover most long-term care costs. We can help you protect yourself against long-term care expenses with coverage that's tailored to meet your needs.
Health Insurance
With health care costs on the rise and an economy in recession, it is now more important than ever to have the right health insurance working for you. Click on the link below to shop health insuranceplans and apply online, or contact our office to speak with our Employee Benefits Consultant.
Will/Trust Analysis
Wills and Trusts are tools in the larger process of estate planning. Unfortunately, there is a widespread misconception that they are subjects of interest only to the wealthy. In fact, an estate plan provides the legal mechanism for disposing of property upon death in a way that recognizes your wishes and the needs of your survivors, all while minimizing taxes. For many, it involves planning for the handling of affairs in case of disability, and the deeply personal medical choices to be made as life nears its end. Trusts can play an important role in providing order to your financial affairs, assisting with your tax planning, simplifying your estate settlement, and providing guidance for your family and heirs. We can match you with invaluable resources that will guide you through the estate planning process. LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.