Services

Financial Planning for Individuals

• Fee-Based Financial Planning
• Stock Option Analysis
• Non-Fee Needs Analysis
• Personal Financial Plans
• Focused Needs Plans
• Estate Planning Strategies

Financial Planning for Businesses

Business Continuation Programs

• Key Person Coverage
• Buy-Sell Agreements
• Succession Planning
• Business Overhead Expense
• Disability Buyout
• Employee Stock Ownership Plans (ESOP)

Executive Benefits

• Bonus Plans
• Deferred Compensation Plans
• Split-Dollar Plans

Investment Advisory and Brokerage Programs 

Equity Investments

• Alternative Investments
• Mutual Funds
• Exchange-Traded Fund (ETFs)
• Unit Investment Trusts (growth-oriented)
• Publicly Traded Stocks

Fixed-Income Investments

• Mutual Funds
• Corporate, Municipal and Government Bonds
• Money Markets
• Certificates of Deposit

Retirement Plans

• Simplified Employee Pension Plans
• SIMPLE Plans
• IRA
• 401(k): Owner 401(k), Roth 401(k)
• 457(b)
  
• 401(k): Owner 401(k), Roth 401(k)
• 403(b)(7)
• Pension/Profit-Sharing
• 412(e) Plan

Annuities

Life Insurance

• Annual Renewable Term
• Equity-Indexed Universal Life
• Level Term
• Whole Life
• Universal Life
• Variable Universal Life
• Survivorship Variable Universal Life
• Survivorship Universal Life
• Corporate Owned Life Insurance

Long-Term-Care Insurance

• Individual Long-Term care 
• Hybrid Life Insurance with Long Term Care rider
  

Disability