• Qualified Pension, Profit Sharing, 401(k) and 412i Plans
  • Qualified Plan Rollovers
  • Multi-Generational IRA Planning
  • Retirement Income Planning
  • 72t IRA Distributions
  • Non-Qualified Supplemental Corporate Plans

In our opinion, most people don’t begin planning and saving early enough. Given the high cost of living and the volatility of the stock market, it is more important than ever to work with a professional. Doing so can help ensure that the planning you do will meet the future needs of you and your family, while making it possible to live fully today.

We can help you understand the countless retirement strategies and investment options at your disposal, and explain how each of them can contribute to your ability to retire comfortably. In addition, we team with tax attorneys and accountants to more fully understand how complex tax laws can potentially affect your investments. Our stated goal is always to help you maximize the quality of your retirement years.

The context here is dramatically extended longevity, which forces people to face the reality of providing financially for a much longer retirement.  Our work in this area ranges from the use of investment products at the family level to more sophisticated programs for employer groups.


We recently completed a plan for a large health center, which has two parts.  The first is an employer paid bonus plan, including the employee’s tax cost, so each employee is financially neutral.  The second plan is voluntary, allowing each eligible employee to defer part of salary.  In both plans, we used individual investment-grade life insurance products, which allows the cash value account to grow tax-deferred and the retirement income to be withdrawn income tax-free.  The plans were very well received and are very likely to significantly reduce turnover – the original challenge to us from the employer.

The case study results are for illustrative purposes only and should not be deemed a representation of past or future results. This example does not represent any specific product, nor does it reflect sales charges or other expenses that may be required for some investments. No representation is made as to the accurateness of the analysis.

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