Let Properly Designed Insurance Protect Your Lifestyle

​Properly designed insurance (life, disability and long-term care insurance, and annuities) can help protect your lifestyle in tax-efficient and cost-effective ways. But sensible insurance planning involves knowledge of the "science" behind insurance. It's not rocket science, but it is a science – like risk analysis, carrier due diligence, product selection, policy design, underwriting, knowledge of the tax code, and so on – and it requires considerable expertise and experience. We can help you navigate through the process and select carriers and products that best fit your specific needs.

Protect Your Family

Whether or not you'll achieve your goals and dreams is predicated largely on one thing: your ability to earn income. If you die too soon (or live too long!) or become too sick to work, you lose the ability to follow through on your plan. It's really that simple. No income; no plan. Fortunately, you can shift a lot of these risks to insurance companies. They are in the business to assume such risks and absorb losses for you. 

Protect Your Business

As a business owner, your business is likely the most valuable asset you own and it's worth protecting it. With insurance, you can "buy time" if you or your key employee dies or becomes disabled. You can also fund a buy-sell plan, providing tax-free funds to the surviving owner(s) to buy out the deceased or disabled owner. And to attract and retain your key employees, you can offer them a benefit plan designed exclusively for them.

Protect Your Estate

Life insurance is a highly tax-efficient and cost-effective tool to provide cash to your heirs to pay estate tax. This is especially true if most of your assets can't be readily converted to cash. ​If your estate owes tax, and there isn't enough cash to pay the tax, your heirs might end up having to sell your assets at a deep discount to come up with the cash to pay the tax before it's due. So, if you are asset-rich but cash-poor, you've got some planning to do. ​

What Properly Designed Insurance Can Do

For Individuals & Families

​Protect your family from financial ruin if you die too soon

Continue your income if you get injured or become too sick to work

Add a low-volatility, tax-efficient asset class without market risk to your investment portfolio

Save money without being taxed on the growth

Withdraw money without being taxed 

Save money without contribution limits, early withdrawal penalties or required minimum distributions

For Businesses

Protect the value of your business so you can sell it at a premium later

"Buy time" if you or your employee dies or becomes too sick to work

Provide cash for you to buy out your partner if they retire, die or become too sick to work

Attract, and motivate your key employees with a compensation package that's superior to that offered by your competitors

Carve out a retirement plan just for your executive team
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Provide life and/or disability insurance just for your key employees

For Estates

​Leave cash to your heirs so they can pay estate taxes

Equalize inheritance among your heirs

Maximize generational wealth

Provide financial security for your child with special needs

Keep costs of long-term care from needlessly depleting your assets 

Get guaranteed lifetime income to plan for longevity

Provide ​an alternative to inherited IRA tax rules for your heirs to stretch out income

The insurance products we work with are life insurance, disability insurance, long-term care insurance and annuities. Annuities are insurance products and are designed for long-term retirement income.  Surrender charges may apply if money is withdrawn before the end of the surrender period. All withdrawals of tax-deferred earnings are subject to current income tax, and, if made prior to age 59½, may also be subject to a 10% federal income tax penalty. Annuities generally contain fees and charges which include, but are not limited to, sales and surrender charges. Additionally, if purchased within a qualified plan, an annuity will provide no further tax deferral features. The contract, when redeemed, may be worth more or less than the amount used to purchase the annuity.

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