Wealth Transfer, Estate Planning, Individual Life and Income Insurance
Successful estate planning effectively supports the current and future financial possibilities for you and your family, allows you to transfer your wealth according to your wishes, and can help reduce unnecessary taxes and expenses.
Working with you, your family, and your advisors, we help you determine your long-term personal financial goals and structure your estate assets to reduce tax liabilities and maximize value for future generations. Our advisory services also encompass coordinating insurance or disability contracts in order to provide a sound, workable plan.
Life insurance has many unique characteristics that may make it an appropriate solution for a variety of estate planning challenges, beyond those that arise at the death of the insured(s). Identifying needs for family protection, college funding, debt protection, wealth creation, estate tax liquidity, or gifting leverage, life insurance creates an opportunity to generate funds where and when they are needed most.
Effective income protection planning, both pre- and post- retirement, is also a critical component of a successful financial plan, ensuring stability, growth, and protection of income and assets for the long term.