A
comprehensive approach to your financial plan, including:Tax
Planning -
Tax planning means thinking ahead, about
the future, not the past. Our role is to develop some creative
ideas to save money in taxes – income tax, estate tax and
capital gains tax. Saving tax dollars can be a more powerful
tool than achieving an equivalent rate of return. It’s not
how much you make – it’s how much you keep.
Investment
Planning -
As an independent firm, we search the
marketplace to find those products and services to best meet
our clients' needs. -Stocks, Bonds, Mutual Funds -Fixed and
Variable Annuities -Tax Credits & Savings Techniques
Insurance
Planning -
Life & Health insurance is an integral part of your overall
financial plan. Our role is to help you make more efficient
use of premium dollars, coordinating with employment benefits
for optimal tax advantage.
Educational
Needs Planning –
Knowledge is Power. College education
is important. How to pay for it and other types of higher
education is equally important. With costs increasing rapidly,
it is vital to plan now for future expenses and accumulate
resources to meet these future needs.
Retirement
Planning –
It’s never too soon to start saving for
tomorrow. We offer products and services in each of the following
areas:
-IRA, HR-10, 403b -Investments – Life Insurance – Annuities
-IRA Distribution Planning -401K – Pension – Profit Sharing
-SIMPLE Plans – SEP
Estate
Planning -
How do you want to be remembered?Minimizing
estate taxes should not be the only goal. Structuring an estate
plan to retain assets for those intended to inherit them,
at the appropriate time, in the appropriate form can be meaningful
for generations to follow. Use of creative planning strategies
can help achieve these goals.
Business
Planning -
(For small & medium size businesses) The coordination
of business planning & personal planning is essential
to the achievement of attaining your goals.
Areas of concern: -How to Attract and
Retain Key Personnel -Executive Benefits & Employee Benefits
-Succession & Continuity Planning -Tax Planning &
Management Consulting -Technology & Marketing
The
Asset Management Service . . . by Design -
A fee based advisory service, which sets
forth predetermined investment objectives, evaluates risk
tolerance, liquidity needs, income goals and other factors
as well. This service requires interactive communication between
the investor and advisors. (N.Y. ADV – form available upon
request)
The
Financial & Management Planning Service . . . by Design
-
This service combines financial planning
concepts with principles of good management . . . for the
individual or business owner who wants to save money in taxes,
improve investment performance and make more efficient use
of premium dollars. This service is designed to provide an
analysis of cash flow, cost reduction techniques and overall
financial enhancement. We accomplish this through a series
of interactive meetings designed specifically to improve economic
benefits by increasing revenues and reducing costs.
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