Maximize policy effectiveness and efficiencies to properly fit coverage to risks within your business.
Workers Compensation Review
Review number of employees and payroll information with rates for carriers with an appetite to insure your risk.
Provide funding for business continuation after the death of key individiuals with the most cost effective and tax efficient means out there.
Estate Plan Funding
The transfer of assets may have tax consequences, instead of liquidating assets/portfolios, we may be able to provide far more efficient means to pay for these transfers within your estate.
A lot goes into starting a business, take some of the risks off of the table by doing it right the first time. With liability shifts from your personal proprietorship to an LLC for example we may be able to insure the risks that your business faces, while also protecting your bottom line even on the worst of Mondays. We don't provide legal advice, we simply insure the legal framework you have set up when you get ready to launch your business with general liability, errors & omissions, work comp, surety and fidelity bonds, buy-sell agreements before you start the business.
Your business needs to provide its employees with a means to save for retirement. We can help get you started, or take over where another has left off.
Once you start working, chances are you'll want to stop someday. Let's get that roadmap drawn together and when you start, you'll be one step ahead of the version of you that procrastinated. We can rollover old plans: from past employers, from out of state rollovers and from one generation to the next. We offer a wide variety of Mutual Fund companies that can keep costs low to maintain breakpoints you already benefit from, or consolidate portfolios into fund families that offer breakpoints to get your fees down. All with a clear picture of your risk tolerance, experience in the market and interests for the future use of these funds.
If you have kids, grandkids, nieces or nephews, you'll want them to be smarter than you were right? Let's start saving for that now.
Personal Asset Coverage
We go over all of your assets to make certain you have the coverage you need, so you get the service you want, when disaster strikes. We provide Auto, Homeowners, Renters, Landlord, Motorcycle, Boat, Travel Trailer, RV, Snowmobile, Collector and Parade Vehicles, Pet, Event, Flood and Earthquake insurance and more to keep you doing what you do best.