Tax Reduction Planning Strategies
We will analyze your tax picture including a review of your tax return and Form 1099’s with a view towards finding opportunities to reduce your tax liabilities – in the current year and in years going forward. We do not prepare tax returns but we will coordinate your CPA or tax professional to make sure we are all on the same wavelength.
Survivor Needs Analysis
The loss of a spouse is perhaps one of the most traumatic experiences anyone will ever go through. We help you assess the financial impact and determine the actions you should take today to plan for your loved one to maintain their desired lifestyle when you are gone. We want to reduce unnecessary stress and provide financial confidence to your spouse or significant other.
Disability Insurance
A sudden interruption of income — due to an extended period of sickness or injury — can have serious financial consequences. If you are lucky, you may receive group long-term disability benefits through your employer. However, you will need to make sure the benefits available through your group’s long-term disability coverage are adequate for your needs.
An individual disability income insurance policy can help supplement your group’s long-term disability benefits and protect a larger portion of your income. This, in turn, provides a fundamental layer of security for your financial future. An individual disability income insurance policy you purchase on your own is fully portable, meaning you won't have to worry about losing coverage if you change jobs. The benefits paid are tax-free if you are the premium payor.