- Life InsuranceThe advantage to term is that it is usually less expensive in the beginning than whole life insurance. This is because it is a pure life insurance product. Since term is initially cheaper than whole life, consumers can invest the difference in market vehicles of their choice. This can provide individuals with more control over their investments. Term insurance is a cost effective way of purchasing peace of mind in case the worst happens.
- Health InsuranceChances are you already protect your important assets, such as your house. Your health insurance can only cover your medical expenses; it can't provide a regular source of income. Why not help protect the most important asset you have--your ability to earn an income?
- Disability InsuranceYour Passport to Income Protection. If you've never considered disability income insurance before, you may wonder why you need it now, especially if you're young and healthy. But most professionals, at all stages, at all income levels, need solid disability income protection. Disability Income Insurance can help you protect your earning capacity.
- Long Term CareSince the risk of needing long term care increases with age, persons age 65 and over face at least a 40% life-time risk of entering a nursing home.
- AnnuitiesYes. We provide advice on all types of securities, including mutual funds, stocks, stock options, bonds, bank deposits, variable and fixed annuities, real estate investment trusts, private equity and private debt and limited partnerships. We also provide advice on estate and legacy planning, budgeting and cash flow issues, 401(k), 403(b), 457 and other retirement programs, life and disability insurance, and more. Our specialty is custom designed asset allocation investment options based on your time horizon and risk tolerance.