Creative Solutions & Advanced Concepts

My Advanced Concepts Team Can Help You Navigate:

Business and Succession: For many business owners, achieving personal financial freedom depends on perpetuating a business and converting its value into financial assets.  Our advanced sales team and case designers suggest programs that can meet multiple objectives.

Estate Conservation and Charitable Giving: Changes in estate tax laws have the potential to create massive uncertainty.  Without coordinated preperation  the largest estates continue to face potential estate tax impact. In conjunction with your tax and legal advisors, our team can help you prepare for potential estate tax impact, charitable giving strategies and asset transfer structures .

Executive Benefits: While executive benefit programs keep changing with each new regulation and ruling, life insurance continues to work as a viable solution in a variety of situations, ranging from groupr life and key person to highly technical areas such as Corporate-Owner Life Insurance (COLI).  We can provide illustrations, consultation, and technical support for:

  • Supplemental Executive Retirement Programs (SERP's)
  • Executive Bonus Plans
  • Split-Dollar

Business Retirement Services: Both qualified and non-qualified retirement plans have become a cornerstone of employee benefits programs.  We collaborate with other teams to streamline the sales process and implement solutions tailored to your business' needs.  We can provide support for:

  • SEPs and SIMPLEs
  • Traditional and Age-Weighted Profit Sharing Plans
  • 401(k)s
  • Traditional and 412(i) Defined Benefit Plans



Family Protection

  • Life Insurance 
  • Disability Income Insurance
  • Long-Term Care Insurance
  • Estate Conservation and 

    Charitable Giving Strategies

Wealth Accumulation Strategies

  • Mutual Funds
  • Variable Annuities
  • Regular/Roth IRA
  • Education Funding Strategies
  • Retirement Needs



Executive Benefit Planning

  • Deferred Compensation Plans
  • Individual Disability Income Insurance
  • Split Dollar/Bonus Plan
  • Selective Executive Retirement Plans
  • 401(k) Look-Alike Plans
  • Supplemental Executive Retirement Plans
  • Disability Income Insurance
  • Corporate-Owned Life Insurance

Tax-Qualified Retirement Plans

  • 401(k)
  • Profit Sharing
  • Money Purchase
  • Age Weighted
  • Defined Benefit
  • Simplified Employee Pensions (SEPs)

Business Continuation Strategies

  • Business Loan Protection
  • Business Overhead Insurance
  • Disability Income Insurance Buyout
  • Buy-Sell Arrangements Funding
  • Key Employee Insurance

Employee Benefits Products

  • Managed Care Medical Benefits
  • Dental Benefits
  • Vision Care Benefits
  • Flexible Benefit Accounts
  • Group Life Insurance
  • Short-term & Long-term Disability Income Insurance
  • Long-Term Care Insurance