INDIVIDUAL Solutions
Helping to realize your financial goals for over 100 years.
Financial Solutions for You and Your Family
Empire Financial Partners offers a wide range of financial products and services:
> Wealth Management > Estate Planning Strategies > Long Term Care Insurance
> Life Insurance > Business Planning > Business Succession
> Financial Planning > Retirement Planning > College 529 Plans
> Executive Compensation
Our products are offered through affiliations with:
JOHN HANCOCK provides products and services to meet the retirement and protection needs of clients.
EMPIRE FINANCIAL PARTNERS * provides insurance products from a wide range of companies to meet the protection and retirement needs of clients.
SIGNATOR INVESTORS, Inc. ** is a full service broker/dealer affiliate of John Hancock offering a wide range of investment products and the latest in technology and services for clients' accounts.
* Selected insurance products are offered through other companies independent of John Hancock.
** Only qualified representatives enrolled in Signator Investors, Inc. Registered Investment Advisor program may offer advisory products and services.
WEALTH MANAGEMENT for INDIVIDUALS
A successful wealth management strategy is one that provides for you and your family today and preserves for future generations. To achieve this success, a financial strategy must be comprehensive. That's why we work with your attorney, accountant, trustee, and any other financial professionals as necessary to create a customized strategy that considers your various wealth management needs. Depending on your stage of life and types of concerns, your financial professional will help you find the appropriate solutions to issue funding for education, retirement, tax planning, protecting your assets and your family, and organizing your estate.
Portfolio Building - Through asset allocation, we can help develop an investment strategy that balances potential risk and return by diversifying your assets across several investment categories. We take into consideration your risk tolerance, and liquidity needs, as well as your short and long-term goals.
College Funding - We can help you choose the right savings and investment vehicles, as well as the appropriate plans available for funding education.
Retirement Planning - If you are planning for a secure retirement, we can help you evaluate your retirement income needs and provide recommendations and solutions that are tailored specifically to your retirement lifestyle vision. We can also assess potential concerns that may impact your IRA rollover and assist you with the process.
Survivorship Protection - We can help you develop a strategy using life insurance to provide the income your heirs will need to maintain their way of life.
Asset Protection - We can recommend ways to protect your hard-earned retirement savings and your independent lifestyles should you or your spouse need long term care.
Disability Income Insurance - Often overlooked is the need to protect one's current income stream and future earnings in the event of disability. We can help you protect your earnings from such an event.
Long Term Care Insurance - We can help protect your assets from the rising costs of long term care that affect your financial future and that of your loved ones.
Trust and Estate Planning Strategies - With an effective strategy, you can control your assets according to your wishes, consider taxes, reduce administrative costs, and ensure the effective management of your affairs should you become incapacitated. You may also be interested in developing charitable or family gifting strategies to pass along your wealth. Working with your tax and legal professionals and based on your individual situation, we can recommend techniques for approaching these challenges.
The financial analysis and recommendations are not intended to replace the need for independent tax, accounting, or legal review. Individuals are advised to seek the counsel of such licensed professionals.
Diversification does not guarantee a profit or protect against loss. It is a method used to help manage investment risk.
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