Protect Your Legacy

Serving the investment management needs of high-net-worth investors, corporations, retirement plans, and foundations, we offer a full range of solutions from conservative to aggressive while considering factors that have an immediate impact, long-term impact, and/or a generational impact.

Business continuation and succession planning are important considerations for any business owner. We can help you protect yourself and your business with buy-sell agreements, key-person protection, business overhead expense protection, business loan protection, and even executive bonus plans.

There are several insurance strategies that can help with estate tax planning. We can explain how an irrevocable life insurance trust (ILIT) can be used to help pay estate taxes, expenses, and debts so your heirs do not need to sell illiquid assets such as real estate, valuables, or your business.

One common practice to help with income tax reduction for spouses or business partners is a second-to-die insurance policy. In this situation, the policy is designed to pay estate taxes or pass wealth to your heirs and limits the tax burden of the surviving partner. There are other strategies we can explain in more detail.

Whether you are an employer or individual investor, we can help you exceed your retirement and financial planning goals. We specialize in defined contribution, defined benefit, and non-qualified plans with full flexibility in compensation structures, product and investment choices, and fiduciary services.

Using a single-premium life insurance policy is one way to help with wealth creation and transfer. The single premium amount deposited creates an immediate guaranteed death benefit that increases over time leading to an even higher death benefit that is tax free. There are other options to consider that we can explain.

Should you want to bequeath a gift to your favorite charity, there are several flexible, cost-effective, and often tax-advantaged ways you can use life insurance to do that. We can explain the differences between naming the charity as a beneficiary, or giving an irrevocable gift, of a new or existing policy.

Certain life insurance policies can act as an accumulation strategy and may have tax benefits. For instance, variable universal life insurance has cash value that grows over time and can be structured as an accumulation vehicle where you can withdraw your basis and/or take a loan against the cash value in retirement.