Our Services

We serve physicians, their families and employees in all areas of financial, retirement, investment and insurance planning including:

• Retirement planning
  Making the most of your employer-sponsored retirement plans and IRAs. We can provide you with an independent anaylsis and evaluation of your existing plan to ensure that it meets your goals and objectives of your practice.  We will benchmark your plan against plans of similiar scope and size so that you can fullfil your fiducairy duties and comply with new legislative changes.  Our anaylsis will help you evaluate your plan design and costs, investment lineup, employee education and communication, plan administration and services and fiduciary liability exposure.  We will work with you to modify your current plan or assist you customize a retirement plan for your practice to ensure that your plan fits your needs; whether you seek a large after tax contribution, minimize plan costs for you and your participants or reduce your fiduciary responsibility.  We work with our clients to find the best match and provide full support to implement, transition and maintain your plan.   In conjunction with our strategic partners, we have a vast array of tools and resources to help you and your participants get the most from their retirement plan; whether they need to determine how much they need to retire comfortably or managing their assets before, during and after retirement. We are skilled in all areas of Pension, Profit Sharing and 401(k)'s, IRA's, Roth IRAs, IRA Rollovers, Stretch IRA's, Inherited Beneficiary IRA's.  Through our relationships with local TPAs we can incorporate the latest plan design components including new comparability plans.  We will also assist employees with distribution planning,  Required Minimum Distributions calculations and other retirment planning options.  
   
• Tax management
  Strive to make sure you don't pay a penny more than the law requires. Looking for ways to help reduce your current and future tax burden.  Implementing tax-advantaged Investment and Insurance Stratgies to help build, preserve and distribute wealth.  Referring you to qualified tax specialists when appropriate.
   
• Estate planning
  Reviewing your wills and trusts. Helping preserve your estate for your intended heirs. Helping with beneficiary designations. Reducing exposure to estate taxes and probate costs. Coordinating with your tax and legal advisors.
   
• Risk management
  Reviewing existing insurance policies. Recommending policy changes when appropriate. Finding the best policy for your situation.
   
• Education funding
  Recommending investment and accumulation strategies to help you pay for your children's education.
   
• Investment Planning*
  We assist our clients quantify, qualify and prioritize their goals and objectives.  We help them determine their personal risk/return profile and assess their asset allocation needs.  By helping our clients better understand their risk tolerance and assessing their risk exposure in their current portfolio; we are able to recommend appropriate tax effecient investment vehicles to help our clients reach their goals. We provide our clients with wide array of investment solutions incorporating the latest thinking in modern portfolio theory.  Our solutions have evolved from Traditional Strategic Asset Allocation to more proactive Tactical Allocation.  Our relationships with a wide array of money managers enable us to provide our clients with a diverse range of investment solutions and strategies.
   
• Employee and executive benefits
  Helping your business attract and retain qualified employees through customized cost-effective benefit packages.
   
• Personal Trust Accounts
  Revocable and Irrevocable Living Trusts, Testamentary Trusts, Charitable Remainder Trusts, Charitable Lead Trusts, Marital Trusts/Qtip Trusts, Credit Shelter Trusts, Grantor Retained Annuity Trusts,  Life Insurance Trusts, Administrative Agency Accounts and Special Needs Trusts.

Investors should be aware that investing based upon strategies or models does not assure a profit or guarantee against loss.

*Securities and advisory services offered  through FSC Securities Corporation.