Taxes

• Charitable Giving
  Replace a charitable gift: Gifts of appreciated assets to a charitable remainder trust can provide income and estate tax benefits. Life insurance can be used to replace the value of the donated assets. Proceeds from life insurance policies can also be paid directly to a charity.
• Estate Taxes
• Tax Services
• Income Tax
  Accelerated death benefits: Federal tax law allows a "terminally ill" individual to receive the death benefits of a life insurance policy on his or her life income tax free. Such "living benefits", received prior to death, can allow a person to pay medical bills or other expenses and maintain his or her dignity by not dying destitute. If certain conditions are met, a "chronically ill" person may also receive accelerated death benefits free of federal income tax.

Accounting

• Accounting Services

Planning

• Financial Planning
• Retirement Planning
• Annuities
  In addition, we offer a wide range of services and products for both businesses and individuals/families which include life and disability income insurance, long-term care coverage and annuities. Please
• Long Term Care
  Almost everyone knows the merits of life insurance — the umbrella for that rainy day. But few of us consider that perhaps a bigger need is for long-term care insurance — coverage for the unfortunate event that you become incapacitated or disabled and unable to care for yourself. A 2007 national poll by Public Opinion Strategies found that 75 percent of Americans have made no preparations for long-term care. Well, it’s time to face the hard facts about long-term care.
• Charitable Remainder Trusts