What We Do

Executive Benefits

The accelerating pace of innovation and change is fueling hyper-competition for top management talent across all businesses.

We can help your company improve its ability to recruit, retain, and motivate high caliber executives with special benefit plans designed to reward key talent.

We strive to balance a company’s desire to reward top managers with the need to do it cost-effectively. Drawing on a broad base of experience, we help companies find creative and motivating ways to compensate executives.

We administer the entire plan and keep you abreast of the tax and regulatory environment with ongoing compliance and any necessary adjustments while providing annual financial summaries and participant benefit reports.

Business Succession Planning

Ultimately, all business owners must decide in what capacity they want their business to continue, what their own long-term individual contributions will be, the best way to ensure the ongoing care of their clients, and the optimal direction and strategy to execute those objectives. If your business has not yet developed or communicated a plan for business succession in the event of an unexpected incident or tragedy (e.g., the unexpected death or disability of an owner or key decision-maker), you are missing an opportunity to guard your business from potential devastation.

Retirement Strategies

Financing retirement has become increasingly complex and can cause unnecessary anxiety, especially for those who plan to access their retirement assets in the next several years. An array of investment options, combined with fluctuating interest and inflation rates and other variables, make it difficult to determine how much you will need, where you should invest, and to whom to turn for assistance.

The complex tax and legislative environment surrounding retirement only compounds the confusion. With both qualified and non-qualified plans, such as IRA, pension, profit sharing, deferred compensation, and 401(k) plans, the timing and amount of withdrawals are critical to maximize combined distribution value while minimizing taxation.

Asset Transfer, Estate, and Charitable Planning

Asset Transfer is the coordinated allocation of assets to beneficiaries upon the death of the owner through tax-efficient strategies that often include wills, estate planning, life insurance, and trusts. For wealthy families, these transitions can be particularly challenging as large estates can be highly complex and may have significant tax liabilities. Estate planning is the careful consideration of these complex legal and tax issues that affect the distribution of an estate after death.

An Estate Plan may include the potential valuation of property, estate tax estimates and recommendations that may help preserve the distribution of the estate. An estate plan also may recommend the establishment of trusts and a plan for charitable giving which can help you achieve your legacy while potentially reducing the size of your estate and tax liabilities. Using charitable planning, a donor can transfer assets to a non-profit after death, either by establishing a vehicle now (such as a trust) that will handle the asset until death, or by setting up a vehicle that will pay a gift to the non-profit upon the donor’s death—such as by designating a charity as the beneficiary of a life insurance policy.

Estate planning lets you know how much there is to leave to your heirs. You decide how your estate is to be distributed and who is to be the executor of your estate. Proper estate planning helps keep the state or others from distributing your estate in ways that may not be consistent with your objectives. Insurance may be an essential component of the plan as an instrument to help efficiently manage liabilities and fund future opportunities.

Throughout the process, we work with you and your advisors, including attorneys, CPAs, and trust officers, keeping the lines of communication open to help ensure your advisor team is provided with the knowledge and insight to make informed decisions regarding all aspects of your financial roadmap.

Retirement Strategies

Financing retirement has become increasingly complex and can cause unnecessary anxiety, especially for those who plan to access their retirement assets in the next several years. An array of investment options, combined with fluctuating interest and inflation rates and other variables, make it difficult to determine how much you will need, where you should invest, and to whom to turn for assistance.

The complex tax and legislative environment surrounding retirement only compounds the confusion. With both qualified and non-qualified plans, such as IRA, pension, profit sharing, deferred compensation, and 401(k) plans, the timing and amount of withdrawals are critical to maximize combined distribution value while minimizing taxation.