Employee Benefits
We provide insured benefits and other plans designed to protect the employees and meet the corporate and budget objectives of an organization. A consultation usually includes an assessment of the current program, professional recommendations, plan design, employee seminars and communications, and assistance with ongoing administration.
- Section 105/Medical Reimbursement Plans
- Zero Base Benefit Planning
- Group Medical Coverage
- Group Dental Care
- Group and Supplemental Life Insurance
- Group Disability Income Protection
- Flexible Benefits (Sec. 125 Plans)
Executive Benefits
We design plans that provide extra benefits to executives or business owners and professionals.
- Split-Dollar Plans
- Salary Continuation Plans
- Insurance Bonus Plans
- Long Term Care Plans
Voluntary Employee Benefits
We arrange benefits options that allow individual employees to select and purchase certain additional coverages for themselves or family members at no cost to the employer.
- GAP Coverage
- Group Life Insurance
- Disability Insurance
- Dental Insurance
Estate Planning
We assist executives, business owners, families and others in designing their estate to accomplish personal objectives and minimize estate tax. This process often includes the individual's attorney, trust officer, accountant and investment advisor.
- Income Needs Analysis
- Trust Arrangements
- Personal Life Insurance Audits
- Charitable Gift Planning
Retirement Plans
We design and assist in the establishment of qualified retirement plans for small and large businesses and non-profit organizations, as well as individuals.
- Pension Plans
- Profit Sharing Plans
- 401 k Plans
- Tax Sheltered Annuities
- Individual Retirement Accounts
- SEP's
- SIMPLE Plan
Business Continuation Planning
We advise owners of businesses and closely held corporations in designing succession plans that allow uninterrupted continuation of the organization in the event of death, disability or retirement of key employees.
- Key Management Protection
- Buy/Sell Arrangements
- Business Overhead Expense Protection
- Loan Coverage