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40% of U.S. workers have saved
less than $25,000 for retirement.*

*2019 Retirement
Confidence Survey, EBRI

Only 42% of Americans know how
much money to save for retirement.*

*2019 Retirement Confidence Survey, EBRI

43% of retirees left
the workforce earlier
than planned.*

*2019 Retirement
Confidence Survey, EBRI

Our Services

Insurance Services Life, disability and long term care insurance* are about risk. Risk is the exposure to the possibility of loss. Risk can be assumed, ignored or transferred to a risk bearer. By asking questions and listening to you, we provide the solution to your needs. Whether for personal or business situations, we will help you to determine the appropriate type and amount of insurance.

For retirees or those about to retire, we can help you determine how to best receive your retirement benefits. Our team of tax attorneys and advisors have developed the planning tools to help preserve and "stretch" these benefits to your loved ones.

Corporate Benefits Programs - If you’re a business owner, you know the importance of attracting loyal, hard-working employees. But once you’ve attracted them, what are you doing to motivate, reward, and retain them? Perhaps equally as important, what are you doing to reward yourself? By helping you understand - and implement - qualified and non-qualified retirement plans, we can help you set extra – even substantial - money aside for yourself and selected key associates; we can help your employees prepare for their own retirement; and we can show you ways to motivate, reward, and retain loyal, hard-working employees. We offer the following business planning services: * Deferred Compensation and bonus plans * Stock redemption and cross-purchase plans * Key-man and buy/sell insurance * Split dollar techniques * Group life, health and disability plans

Estate Planning - You’ve worked hard over the years and you’ve accumulated some assets. But if you’re like many people, you probably haven’t taken the time to develop a plan for preserving those assets. Unfortunately, under current tax law, estate taxes could consume a good portion of everything you’ve worked hard to accumulate over the years. Don’t let that happen to you. Let our estate planning specialists show you how to reduce the amount of taxes your estate will owe, as well as how to plan for the eventual distribution of your assets to your heirs. Through the use of wills, trusts, charitable gifting programs, and life insurance, we can help you develop: § Wealth preservation strategies § Wealth transferring solutions § Strategies for protecting your business interests

Trust Services - Our firm represents several quality Trust companies, such as American Guarantee and Trust Company and U.S. Trust. Trusts can be used to avoid probate or to reduce estate and income taxes. They can also serve to transfer assets for the protection of your children, to avoid taxation of life insurance in your estate, or to keep your assets intact while paying income to someone you designate.

Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck