Insurance and Estate Planning


Our intimate knowledge of our clients’ finances and asset structure is a great advantage in identifying and understanding their insurance and estate planning needs.  Our life insurance, disability income insurance and long term care insurance portfolio designs are specifically created to offer our clients possible solutions to help protect their loved ones in the case of death or disability.

Our i
nsurance product design utilizes products offered by a myriad of insurance carriers.  Whether your need is for low-cost term insurance or a more complex permanent insurance solution, our professionals have the resources and experience to help meet your needs.


Estate Planning


Sophisticated estate planning that includes asset protection, gifting strategies and charitable planning are essential parts of all wealth management.


No matter how much wealth you accumulate, or how large your estate, taxation can consume a large portion of your wealth at the time of your demise, especially with constantly changing tax laws.  We work in a team approach with legal and tax advisors who are proficient in current tax and estate regulations to develop an estate plan to best meet your personal and business goals.


This process may be as simple as having an attorney review your Will or the creation of an Irrevocable Life Insurance Trust.  Or it may involve more complex and sophisticated planning techniques such as:


·        Valuation discounts

·        Complex gifting strategies

·        Family Partnerships/LLC’s

·        GRATs

·        Charitable Remainder Trusts