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Plans to Fit Everyone

There are ways that the most apparently solid existing financial plans can become even more efficient. These are some of my favorites:

  • Fund Estate Plans to minimize federal and state estate/inheritance tax exposure to beneficiaries of high net worth individuals, keeping wealth in families for generations

  • Design tax-shelters for individuals and business owners who have earned their way out of contributing to a Roth IRA

  • Address Long-Term Care concerns with both LTCi insurance and/or Chronic, Terminal and Critical Illness Benefits on a life insurance policy death benefit that can be used, if needed, during life by exercising accelerated benefit riders

  • Create special "Executive Bonus Plans" that incorporate a 3:1, tax-advantaged match for executives and their key employees

  • Help non-profit organizations, including hospitals, attract and retain executives and physicians with creative planning 

  • Protect families with life and disability coverage from losing their homes in the event that the breadwinner(s) dies or becomes disabled 

Financial Plan and Insurance Policy Reviews

 I work for you, not for an insurance company, so there is no cookie-cutter,one-size fits all approach to our conversations and planning. We work together to make sure that every aspect of our process and of your policy gives you quietly confident peace of mind.

 

To meet your financial goals, we can put a quick life insurance policy into place, or we can take a look at your entire financial picture and create a path to the financial freedom that allows you to live a life you love.

I welcome the opportunity to review existing and new client policies. Life insurance is a dynamic field and as mortality tables change, new products become more competitive. I'll take a look at your existing coverage and needs and, if I can offer suggestions to strengthen your plan, I'll let you know. If it's already as efficient as it could possibly be, I'll let you know. Either way, you'll feel great about completing your review! 

 

Outside the Box Thinking

Sometimes the mainstream solution is the best fit for my clients, other times they benefit from creative solutions.  There are special advantages when using life insurance in non-traditional ways that not everyone can benefit from due to age and health...there is so much more to the power of life insurance than just income replacement!

 

What if the stereotypes and limitations about life insurance that you believed to be true, turned out not to be true...when would you want to know?

Are you unknowingly and unnecessarily losing money with your current spending habits and budget?

What if you could pay for your toddler's college education, using the money you're currently spending on student loans, your mortgage, and other debt?