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Financial Protection – Individuals & Employers

Life, Disability, Long Term Care, Cancer, Accident & Dread Disease Insurance

“According to new findings from the 2022 Insurance Barometer Study, conducted jointly by nonprofit industry trade associations LIMRA and Life Happens, 2 in 5 parents say they are barely or not at all financially secure. This is increasingly critical, as most households haven’t prepared for the loss of a primary wage earner: 44% say it would take less than six months to feel financial hardship if this happened to their family.” (Life Insurance Awareness Month. September 1, 2022)

Extended Care / Long Term Care Insurance: What is your extended care plan? Your spouse or children taking care of you or the idea you will never need extended care services? As the financial exposure to the increasing cost of Home Healthcare, Assisted Living Facilities and Nursing Homes grows, we are able to assist with estate and family relationship preservation, specifically tailored to your needs and budget.

Having the right financial tools is to protect your wealth or assets should not be overlooked regardless of how much wealth you have or how much your assets are worth.

Brokered on a personal or group basis with access to over 150 insurance companies. Additional specialties include Key Man, Buy-Sell, and Overhead Expense Agreements.

A few minutes with our subject matter experts can help you decide on the best strategy for you.

Some strategic partners include: Guardian Life, John Hancock, Lincoln Life, Mass Mutual, MetLife, Principal Life, Prudential, and many more.


Whether employer funded or personally funded, we have a retirement solution for you. Choose from an Annuity, Non-Qualified plan, 401K, SEP, or Estate Planning.

In regards to 401K:

American employers may provide access to a 401(k) savings plan so their employees can save money for retirement in a tax-advantaged account. Some employers match employee contributions up to a certain level.

Participation in a 401(k) is optional for employees. If they choose to participate, they can elect to have a percentage of their paycheck deposited into an investment account.

Types of 401(k) Plans

Many employers allow employees to choose between a traditional 401(k) and Roth 401(k). Employer contributions can only go toward a traditional 401(k).

  • Traditional 401(k) accounts are funded by pre-tax income, reducing the employee’s total tax burden. Account owners must take required minimum distributions (RMDs) after age 72, which are taxed as regular income.
  • Roth 401(k) accounts are funded by after-tax income. Account owners are not required to withdraw money no matter their age, and distributions are not subject to taxes during retirement.

Consult your tax specialist, financial advisor or insurance professional to learn more about the tax advantages and implications of 401(k) retirement plans. The information on this page should not be construed as legal or financial advice and is intended for educational purposes only.

Contributing to a 401(k) Plan

The Internal Revenue Service (IRS) limits the amount of money an employee can contribute to a 401(k) plan. The IRS may periodically adjust limits to account for inflation.

Employees can choose to split their contributions if an employer provides access to a traditional 401(k) and a Roth 401(k). IRS limits apply even if their contribution is split between two types of 401(k) accounts.

Structured Settlements:

Have you ever been offered a settlement? Structured Settlements are utilized in many new areas. Allow us to share expertise in the following:

Personal Injury/Wrongful Death

  • Mass Tort Actions
  • Employment-related Claims
  • Matrimonial Settlement
  • Commercial Litigation
  • Asset Sale Transactions
  • Contingent Attorney Fee Structures



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