We love sharing our client stories because they are what drive us to do our best work every day. Your success is our success.

Here are just a few examples of how we have helped clients pursue their financial goals:

A married client was in a very low tax bracket. They had two grown sons, both successful and in very high tax brackets. We developed a strategy that triggered taxes for the parents, at lower tax rates, instead of the sons inheriting the assets and having to pay much higher taxes.

We reviewed a new client’s Estate Documents and noticed that both the husband and wife had Revocable Trusts which laid out their final distribution wishes upon death. After reviewing their assets, we noticed that nothing was titled in the trust’s name and the beneficiaries were still their young children. If no action was taken, it’s very likely that their assets would not have been distributed as intended.

We ran many different retirement scenarios and determined that our client could retire at age 65. We met with them to share the good news and he/she said they were not ready to retire. He/she enjoyed their work, liked the income and was not ready to deal with the free time that retirement brings. Understanding the uniqueness of our clients goals and listening to our clients carefully helps us deliver appropriate solutions.

Many of our clients have recently received letters notifying them of future premium increases. The letter outlined a few options if clients wished to keep premium about the same in return for reduced benefits. We determined that our client already had a strong daily benefit and in addition, had several other income streams. For this client, our solution was to accept a lower daily benefit amount in return for a lower premium. Understanding our client’s unique financial situation allows us to tailor our recommendations.