Personal Services

Estate Planning

We assist you in the design and implementation of programs to ensure that your wealth is passed along to family or others, without being negatively impacted by income, estate or inheritance taxes. This service enables you to plan your personal estate to help ensure maximum distribution and conservation to future generations.

Retirement Planning

Having the ability to retire comfortably and free from financial pressures remains the main issue for our clients - both business owners and employees. It is critical that the retirement plan be properly designed, implemented, communicated and administered. Retirement plans are dynamic, changing as client’s businesses and tax laws change. They demand continued and careful analysis, IRS compliance review and plan administration. The appropriateness of a “qualified” or “non-qualified” plan for any individual is determined based on the individual’s existing financial condition, as well as on his or her goals and dreams.

Will/Trust/Power of Attorney/Analysis

Wills and Trusts are just tools in the larger process of “estate planning.” There is an unfortunate, widespread misconception that this topic is a subject of interest only to the wealthy. In fact, an estate plan provides the legal mechanism for disposing of property upon death in a way that recognizes your wishes and the needs of your survivors, while minimizing taxes. For many it involves, even more importantly, planning for the handling of affairs in case of disability, and the deeply personal medical choices to be made as life nears its end. Estate planning is not just for rich people. Trusts can play an important role in providing order to your financial affairs, assisting with your tax planning, simplifying your estate settlement and providing guidance for your family and other heirs.

Life Insurance

Buying a life insurance policy can seem very simple. In fact we are bombarded daily with TV advertisements of low cost coverage. However, what is being offered is a term policy that most of us will outlive. We may not be able to afford renewing it when our families need it most. We offer a comprehensive personal financial engineering program that will help you find and determine the right life insurance policy for you. Educating our clients as to the “living benefits” of life insurance will also prove to be of great value. The death benefit of permanent life insurance can be used as leverage to implement charitable planning techniques, spenddown strategies, reverse mortgages or pension maximization.

Insurance Review

Insurance is an important part of a complete financial plan. It protects your heirs in the event of your death, and it can protect you in the event of a disability. We can help you determine what type of coverage is best for you. We can provide access to insurance products, including term life, whole life, universal life, variable life, survivorship, single premium, long-term care and long-term disability insurance. As you build relationships and share financial information with us we are in a unique position to provide guidance and determine which insurance products are best for you.

Life Insurance Ownership Management

Insurance is an important part of a complete financial plan. It protects your heirs in the event of your death, and it can protect you in the event of a disability. We can help you determine what type of coverage is best for you. We can provide access to insurance products, including term life, whole life, universal life, variable life, survivorship, single premium, long-term care and long-term disability insurance. AS you build relationships and share financial information with us, we are in the unique position to provide guidance and determine which insurance products are best for you. Educating our clients as to the “living benefits” of life insurance will also prove to be of great value.

Disability Income Insurance

If you have life insurance, you’ve already faced the possibility that your family could need financial protection in the event of your death. But what’s far more likely is that you’ll all need the financial protection Disability Income (DI) insurance provides at some point during your working years. Although it may be hard to face the likelihood of becoming disabled, the consequences are a lot easier to picture. Without an income, most people’s savings are rapidly depleted as they struggle to maintain the household and pay their various expenses. If you have life insurance, you’ve already faced the possibility that your family could need financial protection in the event of your death. But what’s far more likely is that you’ll all need the financial protection Disability Income (DI) insurance provides at some point during your working years. Although it may be hard to face the likelihood of becoming disabled, the consequences are a lot easier to picture. Without an income, most people’s savings are rapidly depleted as they struggle to maintain the household and pay their various expenses.


Many begin to suffer real financial need - often with no end in sight as the disability lingers on. Your employer - or association-sponsored plan may be far from optimal. It might, for example, insure you only if you are totally disabled - even though a partial disability could mean you were reduced to earning part-time wages (hardly enough to run your household comfortably.) In addition, one overwhelming advantage of personal DI insurance over even the best group coverage is that it cannot be reduced or terminated if you leave your current employer. You pay the premiums; you own the policy and benefits are paid to you directly tax free.


*Disability Income and Long Term Care insurance are underwritten by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Products not available in all states. Product provisions and features may vary from state to state.

Long Term Care

There’s a good chance that you may need to pay for nursing home, assisted living or home health care one day. In fact, more than half of the U.S. population will require long-term care at some point in their lives. Long-term care involves helping you with the most intimate aspects of your life, like what and where you’ll eat and your personal hygiene. Unfortunately, this kind of care is expensive. You probably shouldn’t assume that Uncle Sam will help. Medicare does not cover most long-term care costs. Medicaid benefits are only available to you when you’ve depleted all of your assets. We will help you protect yourself against long-term care expenses with the appropriate coverage and product design.