Insuring for today and tomorrow too.
Financial Services in Volusia County Florida
Financial Services in Volusia County Florida for families and businesses
Our customized planning process can help you pursue your vision, whether you are a business owner looking for a succession plan, a professional athlete seeking advisement on your post-playing financial needs or a family requiring strategies to serve your tax and investment needs. Your financial well-being comes first as we look to build and maintain long-term relationships based on integrity, performance and responsiveness.
Using a variety of specialized services, we create wealth strategies as distinct as you are.
- Retirement Planning
- Investment & Asset Management
- Trust and Estate Planning
- Insurance Planning
- Education Planning
- Executive Wealth Management
Retirement Financial Services in Volusia County Florida
No matter what stage you’re in – early in your career, actively contemplating retirement or already retired – we’re here to help with specific retirement financial services needs.
Just Starting Out?
It’s never too early to start planning for retirement. The main benefit of starting early is to take advantage of compounding interest. Compounding interest allows you to earn interest on both the principal you invest and the interest you earn – potentially enabling you to turn a small sum into a substantial one over time.
Also, at this stage in life, you may be better positioned to withstand short-term market fluctuations than someone nearing or in retirement. We can work with you to identify the risks most relevant to your situation, as well as to determine the appropriate allocation of assets to balance these risks.
Almost There?
As you approach the milestone of retirement, you will want to consistently have a thorough understanding of your situation and make sure your financial position is secure. We’ll meet with you regularly to assess your plan and make the adjustments necessary to help you achieve the retirement of your dreams.
We will assist you in understanding factors that will impact your retirement plan, such as your retirement lifestyle, risk tolerance, retirement date, unknown risks and your desire to support your family members or a favorite charity. We will also help you with wealth management resources and needs such as income projections, distribution planning, estate and legacy planning, as well as life insurance and long-term care.
Already There?
Helping you live the retirement of your dreams takes careful planning and a trusted partnership. Once you’ve retired, managing your money is more important than ever. During your retirement years, your personal goals and situation — as well as the economic environment — are likely to shift. These changes require careful scrutiny, perhaps resulting in adjustments related to your goals, your portfolio or both.
We can work with you to regularly review and reassess your portfolio to give you confidence that your portfolio is appropriately balanced between growth-oriented investments and income-focused assets.
Insurance Financial Services in Volusia County Florida
Protecting yourself as well as your loved ones, home and business against unexpected events is an important element of your financial plan. Whether your goal is to build a protective cushion with life insurance, preserve your estate with long-term care insurance or explore the option of annuities, we offer a broad spectrum of solutions to suit you and your family’s needs:
- Individual Life Insurance
- Disability Income Insurance Planning
- Long-Term Care Insurance
- Lifetime Income Annuities
We can also assist you in determining how much insurance you may need. Some factors for consideration include:
- Immediate expenses such as hospital bills, funeral costs and estate taxes
- Funds for the readjustment period, enabling loved ones to move or find a job
- Short- and long-term financial needs such as monthly bills, college tuition or retirement
- Business expenses including the funding of the business succession plan
- Indemnifying the company for the loss of a key employee
Estate CreationFinancial Services in Volusia County Florida
You’ve worked a lifetime to accumulate your wealth. It’s critical you preserve it for your heirs. Too often, people make the assumption that once they are gone their possessions will be simply passed to their family. Unfortunately, it’s much more complicated. Navigating estate taxes and other costs can be a challenge if you’re not adequately prepared. Developing an effective trust and estate plan is one of the most important things you can do for your family and beneficiaries.
Whether you aim to provide for loved ones or minimize estate taxes, we can help carry out your legacy in concert with your accountant, attorney and other advisors. Working together, we’ll develop a comprehensive plan that provides you the ability to decide how your assets are distributed, all-the-while maximizing your wealth passed on to your heirs and minimizing tax and cost impacts.
Let us help you leave a legacy that’s important to you and protects those that matter most.
Financial Services in Volusia County Florida
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Education Planning - Financial Services in Volusia County Florida
A college education can set your children or grandchildren on the path to a bright future. The key to providing the financing for this future lies in early planning. The earlier you define a savings strategy, the better you’ll be when taking advantage of compounding returns. However, it’s never too late to begin investing in your child’s future college education. The key to your success is to have a solid and sustainable plan. While everyone believes that their child will receive a scholarship or qualify for financial aid, the reality is that neither are a solution. Many students will not qualify and if they do receive aid or a scholarship, it may not cover all education expenses.
There are many options to consider when selecting a college savings plan. It’s important that you select one that precisely fits your needs and adequately covers your child’s educational dreams. Here a just a few items to consider before choosing a plan.
- What are the plan’s tax benefits?
- What risks are in included in the plan?
- Does the plan have any contribution limits?
- What investment options are available?
- Does the plan have annual income eligibility limits?
- How much flexibility does the plan have?
We can help you with a broad range of investment vehicles such as Education Savings Accounts, 529 college savings plans and specialized trust vehicles.