Our Services

Corporate Benefit Programs

If you're a business owner, you know the importance of attracting loyal, hard-working employees. But once you've attracted them, what are you going to do to motivate, reward, and retain them?

Perhaps equally as important, what are you doing to reward yourself?

By helping you understand-and implement-qualified and non-qualified retirement plans, we can help you set extra-even substantial-money aside for yourself and selected key associates; we can help your employees prepare for their own retirement; and we can show you ways to motivate, reward, and retain loyal, hard-working employees.

We offer the following business and retirement planning services:

* Deferred Compensation and bonus plans
* Stock redemption and cross purchase plans
* Key-Man and buy-sell insurance
* Split dollar techniques
* Group life, health and disability plans

Estate Planning Strategies

You've worked hard over the years and you've accumulated some assets. But if you're like many people, you probably haven't taken the time to develop a plan for preserving those assets. Unfortunately, under current tax law, estate taxes could consume a substantial amount of the estate you've worked hard to accumulate over the years.

Don't let that happen to you.

Let our representatives show you how to reduce the amount of taxes your estate will owe, as well as how to plan for the eventual distribution of your assets to your heirs. Through the use of wills, trusts, charitable gifting programs, and life insurance, we can help you preserve your estate.

Investments*

Whether you're preparing for your own retirement or building an estate to leave to heirs, proper investing requires a long-term commitment and a clear understanding of your tolerance for risk. In short, you need to select products that are consistent with your investment objectives, time horizon, and comfort level.

We'll work with you to understand how to properly allocate your assets, diversify your portfolio, and coordinate your personal and corporate assets to help improve your retirement planning.

Individual Insurance Options

Accumulating assets, planning for a comfortable retirement, and protecting the people who depend on you all rest on one essential premise: That you remain healthy and able to earn an income.

But what would happen if you were suddenly out of the picture? Or if a sickness or injury prevented you from working? Or if a long-term illness required expensive nursing or in-home care?

Part of achieving your goals and objectives, whether it's a comfortable retirement or simply taking care of the people who depend on you, is planning ahead for the unexpected.

Don't put your dreams in jeopardy. Let us show you affordable solutions to life's unexpected problems through life, disability, and long-term care insurance.


*Securities offered solely through Registered Representatives of Equity Services, Inc.