Our Services

  

 Our philosophy is to combine a professional approach with innovative financial planning advice. Our specialists are among the most experienced in the industry, committed to understanding and helping you acheive your personal financial objectives. We are also commited to exceed your expectations in the personal one on one service we provide to our clientele. 

As we are independent, our clients enjoy advice that is free from bias. Unlike many other financial services companies, we are not 'tied' to promoting products from only one company. This leaves us free to provide both the best possible advice and the very best products.

Our services include:

  • Designing a Personal Financial Blueprint
  • Retirement Planning
  • Estate Plans Analysis and Design
  • Investment & Savings Analysis and Design
  •  401k, Profit Sharing, Pension Analysis and Design
  • Life Insurance Protection and Analysis
  • Business Assurance
  • Passing Along Your Wealth
  • Long Term Care
  • Disability Insurance
  • Structured Settlement / Personal Injury Settlement Tax Strategies
  • Structured Installment Sale
  • Access to our Extensive Network of Professionals

Retirement planning

For directors and senior executives, careful forward planning prior to year end and tax year end is vital to ensure that tax allowances are maximized for both the company and the individual. Our pre-year end financial reviews are an essential method of focusing attention on these opportunities.

We also specialize in advising the professional self-employed on retirement, taking account of possible fluctuations in profitability by providing flexible contribution pension plans.

For companies we can assess and evaluate the range of staff retirement benefits available on a group or individual basis. For example, advice can be provided as to the suitability of increasing contributions, personal fund choice, or death in service benefit.  

401k, SEP, Simple IRAs, Profit Sharing Plans, DB Plans

Savings and investments

While some people are prepared to save capital sums and are looking for protection from inflation, others are seeking a regular income. As the purpose can vary, so can the solution.

Our independent stance gives us freedom to advise on a wide range of investments, from the latest financial products to reinvestment of money that has matured in existing schemes.

Medical care provision

There are an increasing number of product providers servicing this rising need. Whether it be private health care, income replacement plans, long-term care provision or critical illness payments, we can help you to assess the many options available and implement a protection schedule that meets not only your needs, but also your budget.

Life insurance protection

We advise on provision for the unexpected, with cover ranging from mortgage repayments to protection of family income. Protection is also available against loss of income through illness or disability. Many people have put in place benefits payable on their death, but few consider what would happen if they became totally and permanently disabled from critical conditions such as cancer, a stroke or heart attack. We can help you to protect yourself.

  ____________________________________________________________

Business assurance

There is always the risk, for businesses large and small, that a key member of staff will become permanently disabled or die - with potentially disastrous repercussions for the business.

We can help the corporate and self-employed sectors assess these risks and employ insurance contracts to lessen the financial blow that might result from the death or disability of key personnel.

 

Passing on your wealth

There are several possible courses of action available to help mitigate tax, gifts and trusts. In conjunction with our specialists, we can advise on how best to minimize the impact of inheritance tax so that as little as possible ends up in the hands of the tax man.

Structured Settlements / Personal Injury Settlements

After the case has been settled you now have the responsibility of managing a large sum of money. We will educate you of the potential tax trap in a structured settlement, help design an investment strategy and help assist you in the multitude of financial decisions you will have to make.

____________________________________________________________

 

A listing of all of the services we offer.....

 

 

 

Investments*                                        Financial Services

  • Mutual Funds                                              Financial Needs Analysis
  • Fixed & Variable Annuities                          Retirement Funding Strategies
  • Tax deferred 529 Plan                                 College funding Strategies
  •  Money Market Funds                                 Estate Planning ***
  •  Mutual Fund Wrap Programs                      Investment Advisory Services**
  •  Individual Retirement Accounts                   Brokerage Services*
  • Stocks
  • ETF’s
  • CD’s
  • Government Bonds
  • Municipal Bonds
  • Commercial Paper
  • Separate Managed Accounts**
  • Annuities
  • Unit Investment Trusts

Life Insurance

  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
  • Variable Life Insurance*
  • Survivorship Life Insurance
  • First To Die Life Insurance

Disability Insurance

  • Individual Disability Income Insurance
  • Disability Overhead Expense
  • Disability Buy-Out Insurance
  • Group Long-Term Disability
  • Long Term Care

Retirement Plans

  • SEP/IRA
  • 401(k)
  • 403(b)
  • Money Purchase Plans 
  • Profit Sharing
  • Solo 401(k)
  • 419

Employee Benefits

  • Group Medical Insurance
  • Group Dental Insurance
  • Group Life Insurance
  • Group Vision Insurance
  • Long-Term Care Insurance 

 

* Securities products and services are offered through Park Avenue Securities LLC (PAS), member     FINRA,SIPC.                      

 

** Advisory services are offered through qualified Financial Advisor's of Park Avenue Securities, a  registered investment adviser.

 *** Estate Planning. This service is done through one of our qualified strategic partners.

Guardian, its agents and employees do not give tax or legal advice.