LIFE INSURANCE

Life insurance payments can help you transfer wealth to beneficiaries on a tax-efficient basis. But did you know they also can be used to fund business succession plans, provide individual supplemental retirement income and offer a tax-free source of income upon the passing of the insured? Among our offerings are term life insurance, universal life and whole life insurance.

ANNUITIES

Whether you’re facing retirement in a few years or are already there, selecting an appropriate annuity can help provide you with tax-deferred growth as you save and plan for regular income once you’ve reached retirement. We offer several types of annuities which can be used as investment vehicles.

LONG-TERM CARE INSURANCE

Speak with your advisor about creating a specific funding plan to prepare for the potential of you and/or your spouse experiencing a long-term care event. We offer LTC insurance solutions for home care and facility care alike, as well as asset-based long-term care solutions and life insurance with long-term care payout riders. The latter two options give you the flexibility to leave money to heirs and use the insurance death benefit to pay for long-term care assistance on an income tax-free basis.

ESTATE PLANNING

One of life’s greatest rewards is sharing your wealth with others. Managing assets to take care of one’s own needs and wants is one thing, but it takes additional planning and knowledgeable guidance to help ensure your financial legacy makes an enduring difference in the lives of loved ones or a favorite charity.

Having an estate plan to control the distribution of your assets benefits everyone – you, your family and the causes you care about – and can help mitigate potential pitfalls in the future. Our experienced team has the resources to assist your attorney and CPA with a personalized plan that not only protects your assets but also helps you share your wealth with the people and charities you care about most.