Our Unique Approach

 

Anyone can manage your assets, invest your money and determine your retirement income needs. We endeavor to take clients to a higher level; where the focus is on building financial bridges to help you get from where you are today to where you'd like to be.

By asking the RIGHT questions first, we'll have a much greater understanding of the financial bridges required.

 

 

Building Benefits Bridges Process

Discover

We ask the rigt questions. We listen. We care.

  • Do you have a benefit plan now? Are you happy with it? If not, are employees asking for it?
  • Are you losing employees because of you don't have a plan or it's not good enough?

Design

There is no one-size fits plan. We customize to fit your budget and company.

We design plans for most of your employees for most of the time. We consider and work with you to understand your budget and your employee demographics.

Implement

Solutions that fit your plan. We work diligently to research the marketplace for the best fitting solutions for your business and your employees. We consider your budget and the value of the plan to you and your employees.

If you don't have an employee benefit plan or you're changing carriers, we'll work with you to gather the necessary information and resources you'll need to administer and support your plan. 
We work carefully with you to ensure there is no lapse of coverage protecting you and your employees.

Support

We're here to assist you. Benefit Plan administration is a full time job, we're here to help you, to answer all of your questions, to service.

We encourage you to phone our office to first when you have questions, concerns or inquiries. We'll go to the insurance provider to find the answers you need and to resolve any issues or claims that arise.

With ever increasing cost of elements of employee ben plans it is very import that you and your employees are aware of the cost drivers, and ways that both you and your employees can help you keep money in the long run. We feel it is a very important to have continuing updates and education on your plan to keep you current on important legislature as well as trends.

Building Succession Bridges Process

Discover

We ask the rigt questions. We listen. We care. Understanding your business can be complicated, but if we follow a process for uncovering key issues, we can cut straight through to your priorities. 
We use a Business Viewpoint Exercises that looks at your business from four critical viewpoints.

  1. As a Business Owner
  2. As a Business Manager
  3. As an Employer
  4. As an Individual Family Business Member

Design

We customize your plan to address your priorities and issues.

In developing an Exit Strategy for your business, there is no one-size fits all plan. We customize your plan to address your priorities and issues to help ensure a smooth transition.

Just like eating an apple, if you try to take it in one bite you'll choke on it. Our job is to walk you through the process one step at a time. 
Some of the most common issues are:

  • Funding of Buy/Sell Agreements
  • Business Continuation/Succession Reserve Account
  • Funding of Capital Gains Tax
  • Individual Pension Plans
  • Collateral Term Insurance
  • Key Executive Insurance/Deferred Compensation

Implement

Solutions that fit your plan.

We work with other professionals to begin integrating your business needs with your personal objectives into a meaningful succession plan. We also work to develop a contingency plan to protect you prior to the need for succession planning. We look at your short term needs in addition to the obvious long term needs.

Support

We're here to assist you.

Just as we've said everything in life is a series of transitions most of these things are not laid in stone. There will be reasons to make changes as life goes on.

A good plan needs to be flexible to adapt to changes along the way. We're here to see you through those changes.

Building Retirement Bridges Process

Discover

We ask the rigt questions.

  • Where are you know - are you already retired or is retirement imminent.?
  • What do you want your retirement to look like?
  • What activities do you and your spouse do together now?
  • What activities do you plan to do together when you retire?
  • What are the sources of your retirement income? How long will it last?
  • Are you concerned about leaving a legacy to family members or charities?

Design

Retirement Planning is about more than your money. It's first and foremost about what you want for your life.

Most of used to receiving income on a regular monthly basis, our job is to design a retirement income plan with financial tools that fit your lifestyle, will be tax effective, and will provide an income for your lifetime.

We don't want you to run our of money before you run out of life.
And because there is usually "something left over when it's all over", we'll help you build that financial bridge to your family and favorite charities.

Implement

Solutions that fit your plan.

We work diligently to research the marketplace for the best fitting solutions for you and your family We consider your specific needs and lifestyle requirements.

Our job is not to make you rich but to keep you from being poor, to help you sleep at night.

Your return on life is as important as your return on investment.

Support

We're here to assist you.

Life is a series of events and transitions. Most plans, or at least good plans, need to be flexible to adapt to changes along the way. We're here to see you through those changes.