Insurance is essential to any comprehensive financial security plan. If tragic events like death, disability or critical illness strike, insurance can protect you and your family from undue hardship. Some life insurance policies also provide tax-advantaged savings that you can draw on to achieve goals like buying a house or retiring comfortably.

We have access to a variety of insurance products that can help meet your financial security planning needs. No matter your personal situation—if you’re single or in a family; a professional or a seasonal employee; an executive or small business owner—we will work together to design a customized plan.

  • Life
  • Disability
  • Long-term care
  • Group health benefits


In the event of death, life insurance offers surviving family members increased financial security. As a tax-free lump sum payment, it can pay for final expenses and debts, as well as provide income for the deceased’s dependents.

The advantages of life insurance include:

  • Cash for your loved ones at a time when funds are most needed
  • Death benefits are almost always non-taxable for named beneficiaries
  • Avoid probate costs if you name a beneficiary other than your estate
  • Potential to provide death benefits “outside the taxable estate” if coordinated with the proper trust(s)
  • Build tax-advantaged capital for retirement purposes or provide liquid savings through some permanent life insurance plans

I can help you select coverage from a variety of life insurance options to meet the needs identified in your financial security plan.

Life insurance can play a vital role in your financial security plan – contact us today to find out how.


The burden of a long-term critical illness does not just fall on the individual receiving the care, it also falls on the family members who love and take care of that person. Many families have been torn apart, not by the financial drain of providing outside care for a family member, but by the arguments and resentments that grow out of the stress of the situation. This can be alleviated by having a plan in place. And part of that plan could be providing a source of funds to help pay for the professional care needed to maintain the family member’s safety, as well as the sanity of the rest of the family members.

There are a various products available in the marketplace to provide assets to pay for care. Traditional Long-Term Care insurance products are one option. But many life insurance policies have surfaced that can provide assets in a tax favorable manner, as well as peace of mind knowing that the family will receive something in return for the premiums paid. There are also annuity products that can provide tax favorable options. We can discuss which products make sense for your specific situation.

Contact us today about Long Term Care Insurance.


In today’s working environment, valued employees are looking for more than financial compensation. They also want an employer who supports their health, and the health of their families.

Consider attracting and retaining employees with group benefit plans. You can mix & match traditional health plans, dental, vision, life, disability, etc. to fit your specific employee population needs. Group benefits help make employees more efficient, productive, and happy. Employees can also gain the tax benefit of having their portion of the premiums deducted pre-tax (with the appropriate section 125 plan in place). Employers also gain tax benefits, because premiums could be deductible as a business expense.

Flexible plans offer employers and employees cost-effective, customized ways to address their needs. Choose from an array of benefits like:

  • Medical health plans (either traditional Reinsured plans or self-insured plans)
  • Dental care coverage
  • Vision care coverage
  • Group life insurance
  • Group short- and long-term disability insurance
  • Accidental Death & Dismemberment (AD&D) plans
  • Voluntary supplemental benefit plans

Contact us today to learn more about benefits products and services that fit the needs of your business.