Careful evaluation of your financial needs is the basis of an investment strategy that is personalized to accomplish your financial goals. Your financial plan is customized to you. Products are recommended based on each individual’s plan and in consideration of their personal risk tolerances and realistic return expectations. Utilizing a broad spectrum of investments—traditional and alternative investments, fixed- and equity-indexed annuities, life, and long-term care insurance—along with products that we offer through our health and group life insurance partnerships, our strategy is to create a diverse portfolio that is tailored to your plan.

Estate Planning and Business Succession Planning

Ensuring that assets are preserved and sustained according to your wishes—whether to benefit future generations or favored charitable organizations—may be important to you. We can guide you through the estate planning process. We will assist you as you work with appropriate legal and tax professionals to organize and develop an estate plan that effectively meets your estate planning goals.

Trusts

Our professionals understand the importance of the fundamental advantages of using various types of trusts as part of an estate plan. We provide prudent investment management for assets dedicated to these types of entities to ensure compliance with the laws governing the use of these tools for probate, estate taxation, and long-term care planning purposes.

Business Transition Planning

Parallel to our understanding of estate planning, our team is equally adept at planning business transitions as both a function of one’s estate plan and the interested parties in the business. Developing an exit strategy for retirement, or even death, is paramount to ensuring that many are taken care of—your loved ones, employees, and clientele.

Insurance

All of our investment advisers are independently licensed insurance agents in New York and Florida, as well as other states based on our client reach. As independent agents, we are not limited to one company or one company’s products. We can obtain comparisons of insurance products from various companies and offer insurance coverage that is customized to your individual needs.

Evaluating the right policy for you not only includes what risk you are looking for the insurance coverage to protect but also the amount of coverage you need, the type of policy best suited for the need, and the amount of available resources you have to buy the protection or coverage. Because we are not driven by sales quotas, we are able to compare and contrast your options to find the best protection.

As part of our full-disclosure and transparency policy, revenues from insurance products that are recommended to you are commissions from the transactions and do not fall under the fee-based revenue that we collect for investment management. Insurance and annuities are governed by each state with separate licensing and continuing education requirements and not under the Investment Advisor’s Act of 1940.