Insurance Planning

Comprehensive financial planning combines well selected investments with insurance protection. We realize that everyone’s family profile and economic situation is unique, and therefore estate planning is a highly individualized and personal matter. We can help you plan an investment strategy that allows for a combination of protection, as well as capital growth. The following are products and services we provide:

Life Insurance

Federal estate tax rates are progressive, and can be quite high. Proper planning can facilitate the efficient transfer of your assets to your beneficiaries, as well as reduce the estate transfer costs due at your death. For example, by placing your life insurance in an Irrevocable Trust, the proceeds are not taxed in your estate. In so doing, one can plan on having the necessary cash to pay the IRS.


An annuity is a contract between you and an insurance company that is designed to meet retirement and other long range goals. We offer traditional Fixed Annuities as well as Fixed Index Annuities (FIAs).

Some of the benefits of annuities include:

  • tax-deferred growth
  • guaranteed death benefits
  • avoidance of probate
  • guaranteed minimum
    interest rates
  • income for life programs

In a Fixed Index Annuity, the insurance company credits you with an interest that is based on an index (i.e. a stock market index). Regardless of the index performance, they provide that the contract value will be no less than a specified minimum if held for the full term of the contract.

Please note that the guarantees are based on the claims-paying ability of the issuer. There are numerous variations of FIAs to choose from, with many different crediting methods. Interest credits will be limited by the indexes and crediting methods chosen. FIAs will typically underperform market indexes in years that the market goes up. Credited interest, when withdrawn, will be subject to ordinary income tax rates of the recipient. The purchase of an FIA in an IRA or other tax-qualified plan does not provide additional tax deferral benefits. Withdrawals before age 59½ may be subject to a 10% IRS penalty.