Income & Estate Planning Partners

Our advisors are caring people with dedication and loyalty to our clients and their families. We believe you want to be spoken to in plain language, objectively, with honest advice, guidance and empathy. No one wants to be judged, nor sold. You will experience first-class service and get a written plan with a specific step-by-step timeline to follow.

If you are looking for guidance with insurance; life, long term care, or disability income we can assist you in making the right decision. We also focus on income planning broken into three phases. Education funding, retirement income and long term care planning. We can also handle your estate preparation.

Our process will guide you through a series of steps as you consider your options, the benefits and considerations of each alternative and our recommendations for your path forward.


We are independent insurance agents providing life insurance, long term care insurance and disability income insurance. There are four different types of life insurance policies. It is important to understand when one type of policy may better fit your needs then the others. How long could you go without your paycheck? It is difficult to set aside savings for a “rainy day”. Disability income insurance could be your saving grace when your paycheck is interrupted due to an illness or an injury. What is long term care? It is assistance with (ADLs) Activities of Daily Living – bathing, continence, dressing, eating, toileting and transferring (getting up from a bed or chair). Long term care also includes assistance services provided to a person who has a severe cognitive impairment (such as Alzheimer’s or dementia). An illness or disease, accident, or severe cognitive impairment could make it difficult or even impossible for your clients to carry out normal activities of daily living without help. But long term care is not just about the elderly or nursing homes. It includes many different types of care services that can be provided at home, an adult day care, assisted living facility or a nursing home. There is no guarantee that you’ll live your entire life without the need for help from others. Have a plan for where you will live, who your caregivers will be and where the money will come from to provide for the costs of care. Even if you already own insurance, it is a good idea to have a second opinion. Knowledge is power!

Income Planning:

A sustainable plan to cover your normal living expenses provides peace of mind. A set monthly income to supplement social security helps you maintain your lifestyle throughout your retirement years. Choose from Education Planning, Retirement Planning, or Long Term Care Planning.

Estate Planning:

Time waits for nobody! Each day someone loses a loved one. No one is immortal. When settling and estate accounts will need to be re-registered from the name of the decedent to survivors. Investment allocations, which may have been sensible at one time, need to be re-done. Beneficiary designations will need to be updated. Accounts with beneficiary designations such as life insurance policies annuities and IRAs will pass directly, outside of the estate. Other items are subject to probate. Your will specifies how assets are to be distributed an executor is charged with the responsibility to settle the decedents estate pay just debts, etc.

Developing an estate plan is more than just naming who gets the china and who gets the jewelry. Your healthcare directive is a significant document. Would you want a feeding tube? Ventilator? Whether your answer is yes or no, your family should have something in writing from you. Who will make decisions for you when you are unable to answer for yourself? Trusts may or may be helpful to a sure privacy and potentially protect assets from some taxes, sons-in-law and daughter in law, etc. In addition to federal estate taxes, each state may have estate tax inheritance tax transfer taxes, etc. An up-to-date estate plan will provide calmness to others when the time comes.

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