• About Us
• Client Services
• Financial Concepts
• Articles and Links
• Executive Profiles
• Affiliates
• Contact Us
• Testimonials

Online Resources

• AALU.org
• IRS.gov
• AXA
• John Hancock
• Pacific Life
• Sun Life
• Travelers
• Fireman's Fund
• Mass Mutual
• New York Life
• Prudential
• Guardian
• AIG
• NFP

Retirement Income

A firm specializing in temporary and permanent engineering positions engaged us to develop an incentive plan to maintain their pool of thirty executives. We constructed a plan that provides a benefit at retirement age to pay an income stream for ten years targeting a specific annual payment (inflation adjusted) for each executive based upon his/her billing rate. The plan vests over a period of approximately five years. The employer was able to retain the entire professional pool and the executives found great value in the benefit.

Philanthropic Goals

A couple with a net worth of approximately $25 million engaged us to review their life insurance portfolio and become a trusted advisor. We assembled a team including an attorney, an investment banker, an accountant and an investment advisor. We utilized several techniques that met with the couple’s philanthropic goals. We provided the techniques to ensure that the couple’s only son would always be in a position to take the entire family for Christmas vacations. We minimized tax liabilities through the use of valuation discounting methods as well as provided funding that was both income and estate tax free, such that all the couple’s assets would efficiently pass to the son and grandchildren.

Succession Plans

A residential remodeler made up of two brothers were in need of developing a shareholder’s agreement such that if one of the two died, became disabled, voluntarily or involuntarily left the business that his interest would be purchased in such a fashion that the pricing was fair and the pay outs would not hurt the business. It was crucial that if one of these “triggering” events occurred, the business would continue with minimal financial interruptions. We also helped to develop contingency programs to help replace the departing brother. We were successful in accomplishing this in such a way that any proceeds to effectuate a buy out would be free from creditors as well as out of each of the brother’s estate. This enabled each brother to own assets outside of the business to provide a supplemental retirement stream, protect the asset from creditors and free the asset from estate taxation.