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Financial Planning

Planning for accumulation, conservation and ultimate distribution of your property.

Investment Management

Managing investment strategies based on your goals and risk preferences.

Retirement Plans

Helping your employees to confidently prepare for a dignified retirement.

Employee Benefits

Providing cost-effective benefit plans that meet your employees’ needs.

Executive Benefits

Providing incentive plans to build a strong and loyal executive team.

Succession Plans

Preparing for a secure and orderly transition of company ownership.

Personal Insurance

Providing important financial security for you and your family.

Business Insurance

Providing thorough and cost-effective business risk management plans.

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Blogs

Don Richards |
When the decision to buy life insurance is finally made it brings a sense of relief and comfort to most, until they begin the agonizing process of deciding which kind of life insurance to buy. The choices are many, and the process can be daunting, however, it is made easier when you have at least a basic understanding of the difference between term life and whole life. At their core, term and whole life are...
If you have read any literature on retirement planning or have received advice from a financial professional, chances are you were presented with the 70% rule, the one that suggests that retirees will need between 70 and 80% of their pre-retirement income in order to maintain their standard of living. There are several flaws with this formula, the least of which is that it doesn’t consider your actual income and expenses at the time of...