Services for the long view, built around your people.

Employee Benefits

Your employees are your most valuable asset. We help you design a competitive benefits package that attracts, retains, motivates, and rewards talented people, working as an extension of your HR team.

Employee Benefits Products

• Health, Dental, and Vision
• Cafeteria / FSA / Section 125
• Health Reimbursement Accounts (HRA)
• Health Savings Accounts (HSA)
• Life and AD&D
• Self-insured Plans
• Short and Long Term Disability
• Voluntary Benefits

Services Offered

• Analyze plan data, including cost and benefit comparisons
• HR review and consultation
• Negotiate renewal offers
• Provide renewal projections
• Assistance with enrollment and employee communication

Estate & Gift Tax Planning

Designing your estate plan today helps assure the effective and efficient transfer of your financial capital, with multi-million dollar tax savings, family wealth shielded from outsiders, and controlled distributions across generations.

Planning Strategies We Coordinate

• The Inheritor's Trust and Irrevocable Insurance Trust
• Avoiding probate and Generation Skipping Tax exemption
• Personal Residence Trust and Grantor Retained Annuity Trust
• Family Installment Sale, Family Limited Partnership, or LLC
• Family Bank (Dynasty Trust) and Family Foundations
• Charitable Remainder Trust and Charitable Lead Trust
• Retirement planning distribution rules and valuation discounts

Business Succession Planning

Your business is years of hard work and most of your personal wealth. Sixty-five percent of successful family businesses don't continue into the second generation. Proper planning, design, and implementation protect what you've built.

Succession Strategies We Design

• Buy-sell agreements funded with life insurance
• Cross-purchase and entity-purchase structures
• Key person insurance to protect against loss
• Family succession and leadership transition plans
• Business valuation and equitable transfer methods
• Estate tax liquidity and deferred payment strategies

Implementation Support

• Coordinate with attorneys and CPAs
• Structure funding vehicles and financing
• Train and prepare successor management
• Monitor and update plans as circumstances change

Fixed & Index Annuities

Put a well-designed plan in place today that provides guaranteed income for a lifetime, with investment options backed by reputable companies and unaffected by stock market swings.

Risks We Help You Plan Around

• Running out of money if you retire into a down market
• Historically low interest rates eroding guaranteed returns
• Increasing life expectancies and longer retirements

Inherited Annuity Contracts

• Continue the annuity's growth for beneficiaries
• Spread income tax impact over time
• Designate your own beneficiaries to extend the legacy
• Coordinate RMDs and 72(s) payment requirements

Medicare

Medicare is the federal health insurance program for people age 65 and older, those with disabilities, and individuals with end-stage renal disease. We help you understand Parts A, B, C, and D so you can choose the right combination for your life.

Coverage We Help You Navigate

• Part A: inpatient hospital, skilled nursing, and hospice
• Part B: doctor visits, outpatient care, and medical supplies
• Part C (Medicare Advantage) plans through private carriers
• Part D prescription drug coverage
• Medicare Supplement plan comparison
• IRMAA review and annual enrollment period support