Education

The fact is, Term Life insurance is basic, affordable protection essential to your family’s overall financial planning. If you currently do not have life insurance or need more, purchasing term life coverage is a good place to start. Life Insurance is Essential to Planning Your term policy pays your designated beneficiary a lump sum of money to use in any way they see fit. Term life insurance covers a specific time frame to help give [...]

Preserve Your Legacy Estate planning is a complex field that may cover many areas including wills, trusts, insurance, accounting, business continuation and estate, gift and income taxes. It is hard to imagine one person who can be the lone expert in all of these fields. Usually, the best approach is to put together an estate planning team that collectively has the knowledge, skill and experience to help create a holistic approach to your estate planning [...]

Because the same Medicare coverage isn’t for everyone. No two people are alike. With different wants, different needs and different interests, it’s not easy to find something that’s a perfect fit for everyone. The same is true for Medicare supplement insurance coverage. We want to make sure the insurance plan you select is one that’s right for you. Our Medicare Solutions While Original Medicare pays much of the cost for your health care services and [...]

Distributing Assets Fairly and Equitably Why it’s important to have a plan in place The distribution of assets after the death of a loved one can be difficult for everyone involved. This process does not always unfold easily, especially if there is a business to address. If heirs do not want to be involved, it may be best for the business to be left in the hands of those who will operate it. To be [...]

Along with family recipes, coin collections and other keepsakes, how about help with peace of mind and security? Grandparents just like you want to leave financial legacies to help secure the futures of their kids and grandkids. There are many financial options available to you, but have you considered life insurance? Not only can life insurance be affordable, but it can be versatile, too. With the help of life insurance, you can: Provide death benefit [...]

1. Create a Stable and Predictable Cash Flow This may be more difficult than it sounds, but it is also probably the single most powerful factor that can increase the value of the business. The cash flow and revenue from the business is the first thing a buyer will want to know, and probably the most important as well. A strong and transferrable cash flow can overcome many other possible defects in a business. The [...]

Buy-sell agreements can protect your business from the unexpected. A buy-sell agreement is one way to protect your business if you or one of your business partners dies. A properly drafted and funded buy-sell agreement can protect you and the people you care about in different ways. Family With your co-owners committed to buying your interest from your family at a set price, your family knows they will have money to replace your income. Business [...]

If you’re self-employed or own a small business and you haven’t established a retirement savings plan, it’s time to get started. By establishing a plan, you help yourself – and your employees – get started saving for retirement. Different plan designs offer different options. It’s important to understand these options so that you can select the plan most appropriate for you. Some retirement plans are IRA-based like Simplified Employee Pensions (SEP) and SIMPLE IRAs. The [...]

It’s like a money-back guarantee for your long- term care insurance policy. A long-term care insurance policy can help you maintain your independence and stay at home longer should you need long-term care services. However, there is no way to know for certain if you will end up needing this type of care. If you are fortunate and don’t end up using your policy, your beneficiaries could receive the money you paid in premiums. That's [...]

Understanding the differences between retirement programs is key to ensuring the benefit offered is best serving the needs of the employer and their employees. Could it be time to transition away from the SIMPLE IRA plan? Employer Considerations Are you looking to increase contributions for yourself and your employees? Is custom plan design important? Or the ability to delay an employer contribution? Do you want the ability to choose investment options from multiple funds families? [...]