FINANCIAL SERVICES

401 (k) / 403 (b) Non-Profit / PENSION PLANS

Deferral of income through the use of 401(k) or 403 (b) plans can provide attractive tax benefits for both employers and employees. Other qualified retirement plans are an excellent employee benefit for both employees and owner/employees of a business.

INDIVIDUAL RETIREMENT ACCOUNT (IRA) / ROTH IRA

Tax deferred savings account for retirement purposes. IRA's are commonly used to invest. The Taxpayer Relief Act of 1997 created one of the most effective retirement planning tools, the ROTH IRA. Similar to a traditional IRA, the ROTH IRA adds a powerful advantage - the potential for tax-free withdrawals.

SIMPLIFIED EMPLOYEE PENSION (SEP IRA)

The SEP IRA is a qualified tax-deferred plan, for the small business, that leaves the contribution decisions completely up to you.

VARIABLE ANNUITIES

Variable annuities can help provide the financial future you deserve through the broad spectrum of investment options, convenient investment programs and flexibility.

BUY / SELL AGREEMENT FUNDING

Many strong insurance companies have developed policies to fund buy/sell arrangements for death or disability without the costs and efforts associated with separate policies for each partner/shareholder. This type of policy saves premiums and administration over traditional methods.

BUSINESSOWNER ESTATE TAX BUY DOWN

An analysis of the methods of paying estate taxes to avoid causing liquidity problems for the business after the death of an owner shows that properly structuring and utilizing modern insurance products can result in a 50% or more decrease in out-of-pocket expenses for estate taxes.

STOCKS

General securities trading, through a broker dealer gives you the ability to buy and sell individual stocks and bonds.

Group life insurance provides employees with a basic level of term life insurance protection based on their employment relationship. Individual underwriting is unnecessary and coverage on an employee is guaranteed issue.

FLEXIBLE BENEFITS / CAFETERIA PLANS

With a well-designed flexible benefit plan, an employer can streamline the administration, improve employee communication and save on payroll costs, including workers compensation in some cases.

EXECUTIVE BENEFITS - DEFERRED COMPENSATION

Additional tax benefits for key employees, a non-qualified supplemental executive retirement plan can provide additional financial security without the coverage requirements of qualified plans.