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• PERSONAL PLANNING:

               Insurance plans provide financial security to protect you and your

               family from unexpected situations. Insurance to consider: Life, Health,

               Disability, Property & Casualty, and Long Term Care.

               Wise investing will enable you to save for the future to buy a new

               home; get TAX FREE growth to pay ever rising college expenses, or

         to provide a comfortable retirement. Consider an Annuity to get tax

               deferred growth with no contribution limits. Rollover a retirement plan

               from a previous job to an IRA to get control of the assets.

• BUSINESS PLANNING:

               Insurance for Liability, Property, Workers Compensation, Disability,

               Life, Long Term Care, and of course, Medical.

               Surety Bonds, and Section 125 Cafeteria Plans.

               Retirement Plans such as SEP/IRA, SIMPLE, 401(k), Profit Sharing,

               Money Purchase, or 403(b).

               Tax advantaged Executive Compensation Plans for owners and

               executives.

               TAX FREE College Savings Plans for employees and their families.

• ESTATE PRESERVATION PLANNING:

               Family wealth preservation; so that you control the disposition of

               your estate instead of the IRS, Medicaid, or a nursing home.

               Establish Trusts and/or Family Limited Partnerships.

               Set up a Long Term Care Plan.

               Transfer money out of your estate to a TAX FREE College Savings

               Plan for children or grandchildren.

               Donate to a favorite charity, provide a personal or family financial

               benefit, and MINIMIZE TAXES.