*Risk Management Assets that take years to accumulate can be consumed in a fraction of the time after a breadwinner dies or when an individual requires specialized care on an extended basis. Whether you are looking for temporary protection, lifelong protection, an efficient transfer of assets through your estate, or cash value accumulation, my expertise in providing risk management solutions can help create a protection plan to fit your needs.*Special Needs Planning Planning for a dependent with special needs can be complicated. It is recommended that you work with a team of experts – including an attorney, a financial professional and a social service professional. As a key member to the special needs team, I provide solutions for families with special needs.*Wealth Accumulation There are many financial vehicles into which portions of your income can flow. Picking the right combination is critical to wealth accumulation. Together, we can determine your financial goals, and provide specific risk protection and investment solutions.Specialties: *Executive Benefits Your business may well depend on the critical contributions of a few executives. Executive benefit products are designed to retain key employees using innovative funding solutions. *Employee Benefits Employee benefit programs are crucial to maintaining your key employees. I can help you design a customized employee benefit program that will help you attract and retain quality employees.