While developing a customized financial program, we can walk you through a step-by-step process to help make you feel more confident in your decisions.

Once your goals have been established, we can customize appropriate strategies to suit your vision and objectives. We can help you execute an informed financial program.

 

Individuals:

Financial Strategies Report 

This service takes you through a structured process of questioning to help determine your family's needs in the areas of emergency funds, retirement, college funding, loss of income due to death or disability and any other specific accumulation goals or needs. Your current financial position is then established and compared to your stated needs. Finally recommendations are made to help you start a structured plan of implementing solutions.

 

Goal Specific Report

This service focuses on a specific goal such as retirement, college planning, needs analysis for survivor income. 

 

 Estate Analysis Report* 

This service helps you determine your estate transfer expenses, including Federal and State estate taxation. It can help you determine the affect of a variety of estate transfer techniques (e.g.. trusts) and expense savings available through use of these techniques. 

 

 Charitable Giving Planning* 

 This service helps you explore how charitable giving techniques can be utilized to obtain tax deductions, save capital gain tax liability, create income, reduce estate taxes, etc., while simultaneously benefiting a good cause or institution. 

 

 Investments

This service helps you to develop an appropriate asset allocation model based on your personal volatility tolerance. 

 

 Retirement Planning

 This service helps retirees to structure their portfolios to create and maintain an income stream that takes inflation risk into account. This service also helps persons seeking early retirement (prior to age 59½) to realize an income stream from their retirement.

 

 Products for Individuals and Families 

Life Insurance (fixed and variable) , Disability Income insurance, Fixed and Variable Annuities, Long Term Care insurance, Major Medical insurance, Mutual Funds,  Managed Accounts, Stocks and Bonds, and Individual Retirement Accounts (IRA, Roth IRA, Educational IRA).  We also offer Pension Retirement Planning, Nonqualfied Deferred Retirement Plan Option assistance and 457 Plans.

 

Businesses:

 Retirement Plans 

401(k) plans, pensions, profit-sharing plans, Keogh (HR-10) plans, SIMPLE-IRA plans, and Simplified Employee Pensions (SEP). 

 

 Non-Qualified Employee Benefits 

This type of plan can be used to reward selected employees (including stockholder-employees under certain circumstances) without conflicting with the discrimination requirements of qualified plans. Some examples include Nonqualified Deferred Compensation, Executive Bonus, Select Employee Retirement, and Split-Dollar. 

 

Disability Salary Continuation Plan 

These plans can be offered to all employees or to a select group of employees. These plans can be used to supplement Group Long-Term Disability plans. A formal Disability Salary Continuation plan can help an employer to avoid unnecessary taxes as well as provide a "golden handcuffs plan" to retain valuable employees. 

 

 Group Benefit Plans

 Medical, Dental, Vision, Life and Disability plans. 

 

Business Succession Planning

This service helps the business owner(s) provide for an orderly transition of the business to new owners or succeeding generations in case of death, disability, or retirement. This service can include discussions of business valuation, different types of buy-sell agreements and funding mechanisms. 

 

Key Employee Planning

This service helps you to assess the cost of loss of a key employee to your business and how to offset that potential loss.

 

Products for Businesses

 Life Insurance, Disability Income insurance, Fixed and Variable Annuities, Long Term Care insurance, Major Medical insurance,  Dental insurance, Vision Care insurance, Mutual Funds, Managed Accounts and Stocks and Bonds 



Note: Many of the following products can be offered on either a group or individual basis.

 

Health insurance providers are not affiliated with or endorsed by any company of Principal Financial Group®.

*The services are provided with the understanding that Principal® is not rendering legal, accounting, or tax advice. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements.