Estate Planning

Taking an integrated planning approach offers you significant opportunities to safeguard your retirement savings, as well as your personal and business assets. First and foremost, you can shield your surplus earnings inside your pension plan itself. In fact, if you take advantage of IRS-approved retirement savings vehicles — from 401(k) to defined benefit plans — your dollars are protected from judgment creditors by federal law. In addition, annuities and permanent life insurance also provides protection for cash values thanks to many state laws.

We may also be able to help you minimize and control potential liabilities through the strategic use of business structure optimization and advanced risk management techniques. And, by establishing a sound estate plan, you may be able to dissuade creditors and prevent losses to unnecessary taxes as your wealth transfers from generation to generation or to your favorite school, church or charity. Ultimately, your integrated plan will guide you from wealth accumulation to financial independence, and finally, to a life of significance.