How we help grow your wealth:

Umbrella Coverage: Adds extra liability coverage over and above another insurance policy, such as homeowners and auto
Disability Insurance: An insurance plan that pays some of a person’s income when s/he is disabled from an illness or injury and cannot work
Term Life Insurance: A type of life insurance that guarantees payment of a stated death benefit if the covered person dies during the specified term
Long-term Care Insurance: Designed to cover long-term services and supports, including personal and custodial care in a variety of settings
Property and Casualty Insurance: Property is coverage for things you own, like your home or car; casualty is liability coverage protects you from legal liability for an accident

Macroeconomic Investment Strategy: An investment strategy that bases its holdings primarily on the overall economic/political views of various countries or their economic principles
Income Strategies: Designed to produce a consistent paycheck, using traditional and/or alternative investments
Alternative Investments: Supplemental strategies to traditional investments; 5 main categories: hedge funds, private capital, natural resources, real estate, infrastructure
Structured Note: A debt security issued by banks whose performance is linked to the return of an underlying asset, group of assets, or index
Covered Calls: An option strategy designed to generate income on a currently held stock position

Premium Finance: Lending of funds to a person/company to cover the cost of an insurance premium, often to take advantage of tax incentives and/or interest rates
Permanent Life Insurance: Death benefit coverage for a person’s entire lifetime, with additional benefits including cash value growth and certain tax advantages

Tax-loss Harvesting: The timely selling of securities at a loss in order to offset the amount of capital gains tax due on the sale of other securities at a profit
Conservation Easements: A voluntary, legal agreement that permanently limits the use of land to its natural state, which may create some tax benefits
IRA/Roth IRA: Tax-advantaged personal savings plans where either the contribution or distribution may have tax benefits
Business Qualified Plans: Umbrella term for savings plans offered through a business, including SEP IRA, SIMPLE IRA, solo 401(k), cash balance plans, etc.

Opportunity Zone: An economic development tool that allows people to invest in distressed neighborhoods in the US with long-term tax benefits
Municipal Bonds: Debt securities issued by states, counties, cities, or non-profit organizations, like hospitals offering some tax advantages
Roth Conversion: Process of moving funds from a traditional retirement account to a Roth account to generate tax-free income in retirement
Investment Tax Control: Ability to designate a maximum capital gain from a portfolio with trading controls in place to avoid exceeding stated maximums

ESOT for Business Transfer: Stock program that facilitates the acquisition and distribution of a company’s share to its employees with significant tax advantages
Will: used to appoint guardians for minors & pets, designate who receives your assets & possessions and when they will receive them
Revocable Living Trust: maximizes the protection and privacy of your estate while minimizing the long-term costs of estate administration
Living Will: Make your wishes known, so that loved ones do not have to make end-of-life decisions on your behalf
General Durable Power of Attorney: Document how you want to handle your money and property if you become incapable
Healthcare Power of Attorney: Make it easy for those you select to make medical decisions on your behalf if you become unable

Irrevocable Life Insurance Trust: A trust designed to own a life insurance policy held outside a person’s estate intended to mitigate estate tax liability
Gifting Strategies: A plan designed to utilize maximum gifting allowances while alive in order to reduce future estate tax liability

Asset Diversification: An effective way to avoid big swings in your net worth.
Death/disability planning: A way to make sure that the people you care about continue their lives if you’re not there or you’re not all there.
Savings and spending rates: Saving the right amount each month so that you land where you want to when you’re no longer working.
Risk tolerance evaluation: How much risk can you take and still sleep at night?
Formation of financial team: Who are your guides as you build your best life?