Products & Solutions





 
WEALTH MANAGEMENT FOR INDIVIDUALS



A successful wealth management strategy is one that provides for you and your family today and preserves enough for future generations. To achieve this success, a financial strategy should be comprehensive. That's why we work with your attorney, trustee, accountant, and other professionals as necessary to create a customized strategy that considers all you wealth management needs.



Wealth  Accumulation

Portfolio Building - With the right asset allocation, we can help maximize the growth of your investments, while we help minimize the risk. We'll take into account your risk tolerance, liquidity needs, as well as your short- and long-term goals. We invest in mutual funds, stocks, bonds, CDs, annuities, and managed accounts.


College Funding - We can help you choose the right savings and investment vehicles, and help match you  with a suitable plan for your needs.


Retirement Planning - If you are planning for a secure retirement we can help you evaluate all existing retirement plans, 401(k)s, IRAs, and fixed and variable annuities. We can also help assess the tax consequences of your IRA Rollover and assist in implementing your decision.

Wealth Protection

Survivorship Protection - We can help you develop a strategy using life insurance to provide the income your heirs will need to maintain their lifestyle.



Asset Protection - We can recommend ways to maximize and protect your hard earned retirement savings and your independent lifestyle 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 a disability. We can help you protect your future earnings from such an event.



Long Term Care Insurance - We can help prevent a long term illness from adversity affecting your financial future - and that of your loved ones.



Wealth Distribution

Trust and Estate Planning - With the right strategy, you can control your assets according to your wishes, as well as minimize 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. Based on your individual situation, we can recommend techniques for approaching these challenges.



 

[1]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.




* 1] Selected insurance products are offered through companies other that John Hancock Life Insurance Company.




FINANCIAL SOLUTIONS FOR YOU AND YOUR BUSINESS

 

Retirement Planning - Qualified plans can help owners and long-term employees build financial independence. Some examples are 401(k), pension, profit sharing, SIMPLE, and Defined Benefit plans.

Executive Compensation Strategies - We design supplemental pension, deferred compensation, executive bonus, and other retirement and incentive compensation programs. These programs motivate key people with financial incentives that enhance job security. 

Employee Benefits - We can help you create the employee benefit package that's right for your business, including: disability, long-term care insurance, employee voluntary, and cafeteria plans. 

Educational Services - We can conduct seminars for your employees on their retirement packages. And as a value-added service, we offer educational seminars on a variety of financial topics. 

Key Person Insurance - The death of a key employee can create serious problems for a business. We can help you protect against this loss. 

Business Succession Planning - Our succession strategies can be catered to your wealth transfer objectives. We can provide life insurance funding for a Buy-Sell Agreement to provide for the orderly disposition of a closely held business if an owner dies, becomes disabled, or sells.

 
For family business owners, we identify alternative strategies to equalize estate assets among all children- whether they're active or inactive in the family business. Once your customized plan is in place, we continue to support you by conducting annual reviews to ensure that the plan is on track.