Personal Solutions

Out on your own for the first time? Beginning to build a life that enables you to look beyond today? Or have you been in the game for a while and suddenly realized that “retirement” is no longer a concept, but an onrushing reality. Whatever life stage you find yourself in, we can help; just as we’ve helped generations before you.

 

Retirement Planning

Retirement can signify a lot of things to a lot of people: sailing off into the sunset with your beloved; never having to worry about waking up early to catch the morning train; finger-painting with your grandkids. In order to make these dreams a reality; you'll need to create a nest egg that will make your retirement years as comfortable, if not more, as when you were working.

Essentially, it's never too early to think about saving for your golden years. As the average lifespan increases, you should be prepared to put aside more to accommodate a longer retirement.

We understand the importance of having enough to spend during your retirement. That’s why we offer a variety of insurance and financial products that can help you fund your retirement, and make the money you’ve worked for years to save go even further.

How to Accumulate Retirement Assets

Learn about Consolidating Retirement Assets

 

Estate Planning

One of the nice perks of being self-employed or a business owner is that you don't HAVE to retire. You're a doer. You like to make decisions and see results. But maybe someday -- perhaps when you're 65, 75 or older - you just might WANT the option to trade the fun and frustration of work for golf, gardening, vacationing with the grandkids or sitting back and relaxing with family and friends. Just as important, you also want to have all your ducks in a row, so to speak, when it comes to making sure your loved ones are well provided for in the future. Neither of these goals just happens. They are the result of decisions you make today. That means retirement planning and estate planning – mapping out a strategy to create options for you and for your family. Fortunately, there are more retirement and estate planning choices available today than ever before for business owners and those self-employed. We are here to help you begin the process of planning.

Preserving the Assets of your Estate

 

Creating a Legacy

With hard work and careful planning during your income-earning years, you may have built a healthy nest egg, sufficient to ensure a comfortable, independent retirement. You may actually be in the enviable position of being able to leave something to those you love the most: your spouse, children, grandchildren, and perhaps your favorite charities. Now's the time to seize the moment and put together a plan that creates a legacy for those you love.

Create a Legacy Gift for your Grandchildren

 

Funding a College Education

Consider this scenario: The cars packed and the teary good-byes have been exchanged. You may feel as though your baby's leaving you, but this is one of the proudest moments of your life. You've scrimped and saved to afford your child's education, and now that the day is finally here, you can breathe a sigh of relief. Thank goodness you planned ahead and started saving early so that the next four years won't be so financially stressful. Now, consider the alternative: What if you didn't plan? Then those next four years could be your worst nightmare, turning into a juggling act of student and parent loans, financial aid requests, room and board payments, and book costs. Fortunately, we understand the importance of funding your children's education, and, therefore, offer options to help you meet that goal.

Create a College Planning Strategy

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