Tell us about your financial goals, dreams and objectives
What risks could cause them to totally derail?
We help you to plan and mitigate against the risks of life that could derail your future
- Morbidity Risk, too sick or hurt to work
- Mortality Risk, dying with dependants
- Longevity Risk, runing out of money
- Market Risk, inability to retire
- Tax Risk, income taxes & capital gains
- Legal Risk, costly degal decisions
Income Protection
Retirement Planning
Income Protection
Your earned income IS your greatest asset! Without it...... nothing else matters!
If you got sick or hurt and couldn't work to make a living, how long could you make it on your savings before running out of money?
Disability Insurance or "DI" is PAYCHECK PROTECTION. It can cover your personal living expenses such as the mortgage or rent, car payments, utilities and groceries and even funding your retirement.
On average it only costs between 2-3% of your income to PROTECT 60-80% of your income, and the benefits are totally TAX-FREE!
We can even cover your STUDENT LOAN PAYMENTS whether you are totally or partially disabled.
Life Insurance
Retirement Planning
Income Protection
We can help you to protect your family and loved ones and pass on your wealth in the most tax-efficient way possible.
- All forms of Life Insurance
- Final Expense
- Mortgage Protection
- Income Replacement
- Debt Liquidation
- Retirement Rescue Do-Over
- College Funding
- Estate Planning
- Legacy
Brokering with the best top A+ rated life insurance companies in the industry for the most competitive rates, we can also help you to research and shop for the policy that make the most sense for you.
- Term Life - 10, 15, 20, 30
- Whole Life
- Universal Life
- Indexed Universal Life
Is there anything else in the world more important than protecting the ones you LOVE?
Retirement Planning
Retirement Planning
Business Overhead Expense Protection
We're experts when it comes to creating 100% TAX-FREE retirement income, guaranteed PENSION style life income and capturing the UPSIDE of the market with GUARANTEED ZERO DOWNSIDE MARKET LOSS
Why gamble with your hard-earned money and leave it to chance when you don't have to?
- Tax-Free Retirement Planning
- Roth IRAs
- 401K Rollovers
- Fixed Indexed Annuities
- LIRPs (Life Insurance Retirement Plan)
- Guaranteed ZERO Market Loss
- All UPSIDE - No DOWNSIDE
- Guaranteed Life Income
- Stand-Alone (Non-Qualified)
- Alternatives to CDs
- Alternatives to stocks, bonds, and mutual funds
Business Overhead Expense Protection
Business Planning Strategies & Benefits
Business Overhead Expense Protection
DISABILITY EXPENSE REIMBURSEMENT
If you run a business or practice - how will you cover your overhead expenses if you become totally disabled?
BOE reimburses routine business expenses such as payroll, utilities, malpractice insurance, a mortgage or the office lease.
In additon, with a "Business Loan Repayment Rider" (BLRR) We can also cover your BUSINESS OR MEDICAL PRACTICE COMMERCIAL LOAN PAYMENTS to keep your practice open and operating.
Premiums are even TAX-DEDUCTIBLE!
Business Planning Strategies & Benefits
Business Planning Strategies & Benefits
Business Planning Strategies & Benefits
CUSTOMIZED BONUS PLANNING (CBP)
Unlike standard group benefits, where everyone must be included regardless of merit - with CBP, you can pick and choose who gets what, givng you more control to reward based on merit and loyalty to you and your company.
BUY/SELL LIFE AND DISABILITY INSURANCE
A well-written and drafted partnership agreement that is funded with the right amount of life and disability insurance can provide the immediate liquid cash needed for a smooth transition.
KEY PERSON INSURANCE
Covers your business or practice when one of your best top employees either dies or become disabled. It can also provide extra incentives and rewards to attract and retain top talent.
Long Term Care (LTC)
Business Planning Strategies & Benefits
Business Planning Strategies & Benefits
LTC IS USED FOR TWO THINGS:
One, to protect your hard-earned assets from getting annihilated because the cost of long term care is so expensive and keeps getting worse.
Two, to get the care you want WHERE you want; most people would prefer the dignity and the familiararity of getting their care in their own home, as opposed to an outside nursing home or assisted living facility.
Sometimes this is handled with a stand-alone "LTC" policy, or often it is handled more ideally with a permanent cash value life insurance policy with a special "living benefits rider," which can allow the insured to access a portion of the tax-free death benefit while alive to cover chronic illnesses (long term care).
LEGAL ACCESS PLANS
Business Sales and Creating Liquidity
Business Sales and Creating Liquidity
AFFORDABLE Quality Legal Help for most things with a low monthly membership instead of exhorbitant hourly rates. Significant savings on hourly rates for more complex situations.
- Nationwide network
- Quality attorneys
- All areas of expertise
- Personal legal issues
- Business legal issues
- Phone consultations
- Will preparation
- Durable power of attorney
- Guardianship for your children
- Estate planning and trusts
- Business planning
- Contracts & documents
- Patents and copyrights
- Letters on your behalf
- Debt collection
- Help with legal disputes
- Traffic ticket defense
- Real estate questions
- Landlord tenant issues
- And many more!
Business Sales and Creating Liquidity
Business Sales and Creating Liquidity
Business Sales and Creating Liquidity
RELATIONSHIPS WITH EXPERT BUSINESS BROKERS
We have worked hard to develop great relationships with knowledgeable business brokers, experts in their field with proven track records to help you properly assess the value of your business and get it marketed and SOLD with the best possible outcome on price.
For many business owners, a large portion of their retirement or the lion share comes from the sale of their business to create their retirement nest egg. In order to sell your business and create the liquidity needed to enter your next exciting chapter of retirement, finding a good business broker can be essential. We are happy to introduce you to some of the best business brokers in the industry!
In the News - Our Published Articles
Business Sales and Creating Liquidity
In the News - Our Published Articles
Todd Radwick writes regularly as a Financial Columnist in a variey of magazines, business journals and publications.
Here you can find links to numerous articles to help educate you as you plan for your future financial security for you, your family and your business.