Areas of Practice
Insuring Against Financial Hardship
Individual and Group Major Medical Insurance, Health Savings Accounts (HSA), Health Reimbursement Arrangements (HRA)
Individual and Group Disability Income Insurance
Critical Illness Insurance - Guard against career shortening disability and enable alternative treatment options and/or fund quality of life options.
Medicare Supplement Insurance - Avoid medical bankruptcy and insure peace of mind.
Long Term Care Insurance (LTCi) Stand alone LTCi Insurance, Life/Long Term Care Insurance.
Annuities - Great investment tool to create a safe, tax efficient, dependable, retirement income stream.
Annuity Types: Single Premium Immediate Annuities(SPIA), Flexible Premium Deferred Annuities (FPDA), Fixed Annuities, Fixed Index Annuities (FIA’s), Variable Annuities and Split Annuities.
Life Insurance - Peace of mind for loved ones, pay off or secure debt, provide tax free retirement income, equalize an inheritance, protect your personal legacy.
Types of Life Insurance: Term, Whole Life (WL), Variable Universal Life (VUL), Fixed Index Universal Life (FIUL), Single Premium Life, Last To Die Life, First To Die Life, Final Expense.
Retirement Planning
Investment portfolio planning
Strategies to reduce and/or elminate unnecessary taxes
Tax deferral options that allow you to pay taxes when you are in a lower tax bracket.
Tax bracket management to control how much taxable income is reported to the IRS.
Income shifting to avoid concentrating taxable income into just one tax ID number.
Maintaining control of income producing assets to protect against inflation risk, interest rate risk, longevity risk etc.
Stepped up basis planning to reduce and/or eliminate capital gains taxes.
Financial Planning
Developing a written Professional Financial Plan - Evaluate risk tolerance, consider time horizon, review appropriate financial services products, determine best time to retire, protection from adversity, tax planning, retirement transition planning, estate planning, Special Needs Planning.
Estate Planning and Personal legacy planning
Improve Investment earnings
Asset Allocation Strategies due diligence using cutting edge risk evaluation and time horizon suitability criteria.
Sequence of Returns analysis that can evaluate the benefit of investment options with downside protection. Stress testing the current and potential portfolio based on worst case, average, or best case back testing scenarios.
Retirement Timing and transition Strategies
Fact based evaluation of tax qualified employer sponsored Defined Benefit (Cash Balance) Pension Plans, Defined Contribution Plans: 401k/403b, Profit Sharing Plans, Individual Retirement Arrangements (IRA’s), Traditional and/or Roth, Simple, SEP, SAR-SEP, TSA’s, 457 Plans, and government employee Thrift Savings Plans (TSP). Social security income benefits, social security taxation of benefits issues and advanced gifting strategies.