Services

Our services for you begin with discussing your goals and objectives. By being associated with an independent Broker/Dealer, we are able to offer you a wider variety of financial products to help meet your needs. As we discuss your situation we are prepared and qualified to meet your every need whether it be in the area of Estate Planning , Financial Planning, or Business Planning to include Living Trusts, Financial Plan or Products. Do not hesitate to contact us with any questions you might have.


	Diversification & Allocation of Assets Investing in different companies, industries, or asset classes. Diversification may also mean the participation of a large corporation in a wide range of business activities. Fee based Financial Planning Planning in which individuals use the expertise of a professional who charges a fee rather than a commission - appealing for investors who seek objective, non-commission driven advice.
	Buy-Sell Agreements A buy-sell agreement is an arrangement between two or more parties that obligates one party to buy the business and another party to sell the business upon the death, disability, or retirement of one of the owners. Methods of Funding Business Insurance Plans A policy which primarily provides coverage of benefits to a business as contrasted to an individual. It is issued to indemnify a business for the loss of services of a key employee or a partner who becomes disabled.
	Wills A legal document that declares a person's wishes concerning the disposition of property, the guardianship of his or her children, and the administration of the estate after his or her death. Corporations Trusts A legal entity created by an individual in which one person or institution holds the right to manage property or assets for the benefit of someone else. Types of trusts include: Testamentary Trust – A trust established by a will that takes effect upon death; Living Trust – A trust created by a person during his or her lifetime; Revocable Trust – A trust in which the creator reserves the right to modify or terminate the trust; Irrevocable Trust – A trust that may not be modified or terminated by the trustor after its creation Business Agreements Family Limited Partnerships A form of holding property combining some of the advantages of holding property as a corporation with some of the advantages of owning property in a partnership. A Family Limited Partnership is sometimes used as a vehicle for a gift program to reduce or eliminate estate tax.
	Roth and Traditional IRA A nondeductible IRA that allows tax-free withdrawals when certain conditions are met. Income and contribution limits apply. 401(k) A defined contribution plan that may be established by a company for retirement. Employees may allocate a portion of their salaries into this plan, and contributions are excluded from their income for tax purposes (with limitations). Contributions and earnings will compound tax deferred. Withdrawals from a 401(k) plan are taxed as ordinary income, and may be subject to an additional 10 percent federal tax penalty if withdrawn prior to age 59 ½. Profit sharing plans An agreement under which employees share in the profits of their employer. The company makes annual contributions to the employees' accounts. These funds usually accumulate tax deferred until the employee retires or leaves the company.
	Stocks The capital or fund that a corporation raises through the sale of shares entitling the stockholder to dividends and to other rights of ownership, such as voting rights. Variable Annuities An insurance-based contract that provides future payments at regular intervals in exchange for current premiums. Annuity contracts are usually purchased from banks, credit unions, brokerage firms, or insurance companies. Bonds A bond is evidence of a debt in which the issuer promises to pay the bondholders a specified amount of interest and to repay the principal at maturity. Bonds are usually issued in multiples of $1,000. Variable Life Insurance A type of life insurance that combines a death benefit with a savings element which accumulates tax deferred at current interest rates. Under a universal life insurance policy, the policyholder can increase or decrease his or her coverage, with limitations, without purchasing a new policy. Mutual Funds A collection of stocks, bonds, or other securities purchased and managed by an investment company with funds from a group of investors. Limited Partnerships Limited partnerships pool the money of investors to develop or purchase income-producing properties. When the partnership subsequently receives income from these properties, it distributes the income to its investors as dividend payments.
	Life Life insurance, sometimes referred to as life assurance, provides for a payment of a sum of money upon the death of the insured. In addition, life insurance can be used as a means of investment or saving. Health A generic term applying to all types of insurance indemnifying or reimbursing for losses caused by bodily injury or sickness or for expenses of medical treatment necessitated by sickness or accidental bodily injury. Dental A group or individual health insurance contract that provides payment for certain enumerated dental services. Group Insurance on the lives of several persons as a group, written under one contract called a master policy. Disability A form of insurance coverage that provides a portion of income lost as the result of a total or partial disability caused by either an accident or an illness. Vision A group or individual health insurance contract that provides payment for certain enumerated vision services. Fixed Annuities An insurance contract between an insurance company and the contract owner. Payments into the contract earn a fixed rate of interest for a specified period of time. Earnings in an annuity grow tax-deferred. Upon annuitization or withdrawal, earnings are taxable to the owner. Withdrawals prior to age 59, ½ are subject to income tax penalties. Long-term Care Coverage that, under specified conditions, provides skilled nursing, intermediate care, or custodial care for a patient in a nursing facility or his or her residence.
	College funding Estate Transfer Estate conservation Activities coordinated to provide for the orderly and cost-effective distribution of an individual's assets at the time of his or her death. Estate conservation often includes wills and trusts.