College Funding

SERVICES

Vision Without a Strategy
Is an Illusion

SERVICES FOR INDIVIDUALS & FAMILIES

Annuities

Annuities are insurance contracts that provide a fixed income stream for a person's lifetime or a specified period of time. Individuals can buy an annuity with a lump sum or a series of payments. Annuities are often used as a way to fund retirement.

College funding is aid and resources used to pay for college or career school. I assist families better understand the various options available to help pay for college and other strategies that make higher education more affordable.

Final Expenses

Preparing for final expenses is typically purchasing final life insurance, sometimes called burial insurance. This type of policy provides low coverage amount meant to cover funeral expenses and final medical bills once an individual passes away.

Mortgage & Income Protection

Mortgage protection insurance is designed to pay off a mortgage if the policyholder passes away. Income protection is essentially a form of disability insurance that helps protect families in case the policyholder experiences serious injury or illness that prevents working.

Tax Free Retirement

Much of the income received in retirement, even if it's not directly from employment, is taxable. However, there are a few products that are allowed to grow tax-free and remain tax-free when withdrawn in retirement.

Whole Life

Whole life insurance is permanent life insurance. It is guaranteed to remain in force for the insured's entire lifetime, provided required premiums are paid, or to the maturity date. Benefits include consistent premiums and a guaranteed return on the policy's cash value.

401k vs. IUL

Why Own a Mortgage Protection Plan?

SERVICES FOR COMPANIES & BUSINESSES

Employer Payroll Tax Incentives

After examining the industry the client is located in, I assist them in exploring a breakdown of average savings for that industry through employer payroll tax incentives.

Property Tax Incentives

A comprehensive property tax review provides a fair and equitable assessment of asset value with the potential to decrease companies' expenses and create immediate cash flow for commercial property owners.

Specialized Tax Incentives

I help companies look at a series of potential specialized tax incentives through cost segregation. Cost segregation has the effect of increasing depreciation deductions which in turn reduces taxable income, and in turn, minimizes taxes paid and maximizes cash flow.

Waste & Expense Reductions

By conducting a customized analysis, I help companies discover overcharges and billing errors in key expense areas such as Credit Card Merchant Processing, Parcel Shipping, Waste & Recycling, Property Taxes, and Workers Compensation Premiums.

Work Comp Insurance Savings

I help clients determine if they may be entitled to any past, or current reduction, credit, rebate or refund on its workers’ compensation premiums, or to a reduction of any monetary obligation to their insurance carrier or agent. I also recommend means by which clients may be able to obtain savings and assist them in securing any reasonable realization in savings.

My Commitment

My goal is to help individuals and families begin making better financial choices, one smart decision after the next. I also provide a variety of cost-saving services for companies through simple audit practices. If I can’t save businesses any money, they don’t owe me a dime.