We offer a holistic, financial planning-based approach to helping people achieve their short, medium and long-term financial goals. For families and individuals this can include funding childrens’ education, accumulating capital to enable acquisition of certain key objectives (e.g., second home) and a desired retirement lifestyle while minimizing the risk of running out of assets, and estate and legacy planning. Also, human capital protection helping to ensure minimal financial disruption if premature death or disability occurs, and for long-term care late in life. We help educate people on financial solutions so that they can make informed financial decisions. Our view is that if people do not follow a certain course of action, it should be because they made an educated decision not to pursue it, not because they were ignorant about it.For business owners and key executives, we provide (i) compensation plans enabling them to defer a much larger portion of their compensation than through 401k/profit sharing plans, and/or (ii) supplemental executive retirement plans for key employees that provide benefits above and beyond those covered in other retirement plans. Both plan types enable participants to invest on a tax-deferred in financial assets which are not correlated with the financial markets and can provide distributions on a tax-free basis.For the business itself we offer (iii) “golden handcuff” arrangements to help retain key executives, (iv) financial protection for a business in the event of the premature death or disability of a key employee, (v) review of*, and funding for, buy-sell/operating agreements, and (vi) for small businesses, financial protection against overhead costs if the owner becomes disabled. We also provide qualified retirement plans, both defined contribution plans and defined benefit plans.*Feedback is suggestions to be discussed with your legal advisor. We do not provide legal or tax advice./COMPLIANCE:2023-5316/