Services |
401(k) Plans
A 401(k) plan is a qualified deferred compensation plan which enables you to save money, lower taxes, and invest in your financial future. Under a 401(k) plan, your elective contributions are made on a before tax basis; that is, the amount deferred will be excluded from your taxable income.
Alternative 401(k)'s
The decision to implement a retirement plan is one of the smartest choices that a business can make. It can give you and your employees the opportunity to save for your future while enjoying substantial tax savings today.
Annuities
Annuities are insurance products, but it's different from a life insurance policy that pays death benefits. An insurance company pays annuity benefits while the insured (called the annuitant) is alive rather than after death. Annuity contracts are purchased to help save for retirement and the opportunity to provide an income stream.
Business Management
Through the active leadership and vision of the firm's Principals, Brian R. Gilder and James Llewelyn, the firm today is a full service business management firm, employing specialized professionals in all financial areas who together with the client's agent, attorney, personal manager, and other outside professionals, plan and manage the client's business affairs.
Estate Planning
At a person's demise there are certain problems which can create a burden on those left behind. Typical financial burdens include probate court fees, death taxes, liquidity and cash flow. The care of minors is also an issue that needs to be planned for properly. Parents should nominate a guardian to care for their minor children, as well as a manager of the assets left for the minors. Proper estate planning can eliminate or reduce these problems.
Life Insurance
Whether you are investigating Life insurance for an individual, a group plan for a small start up, or a 1000 employee multistate corporate group plan, our agency is capable and prepared to assist you. We can help you evaluate your needs, survey the marketplace, prepare side by side plan and price comparisons for your review, and then help you implement the plan(s) that you determine best meet your objectives.
Long-Term Disability
When faced with an employee who's been disabled, uninsured employers have few options. A managed Long-Term Disability plan allows an employer to outsource the difficult decisions surrounding a disabled employee to disability experts. The goal of Long-Term Disability insurance is to financially protect and proactively return disabled employees to a productive life.
Short-Term Disability
An injured employee is worried about many things, including surviving without a paycheck. A well-managed Short-Term Disability plan can help an employer identify, track and handle claims professionally and consistently. Active claim management through a fully-insured plan can help shorten the duration of disabilities through rehabilitation and return-to-work efforts, reducing your costs and preventing short-term disabilities from turning into long-term ones.
|
