Services..


Services and Products offered for Individuals and Families 

 

Financial Strategies Report

This service takes you through a structured process of questioning to determine your family's needs in the areas of emergency funds, retirement, college funding, loss of income due to death or disability and any other specific accumulation goals or needs. Your current financial position is then established and compared to your stated needs. Finally recommendations are made to help you start a structured plan of implementing solutions.

Goal Specific Report
 
 This service focuses on a specific goal such as retirement, college funding, needs analysis for survivor income.
 
 Estate Analysis Report
 
This service helps you determine your estate transfer expenses, including Federal and State estate taxation. It can help you determine the affect of a variety of estate transfer techniques (e.g.. trusts) and expense savings available through use of these techniques. 
 
 Charitable Giving Planning
 
 This service helps you explore how charitable giving techniques can be utilized to obtain tax deductions, save capital gain taxes, create income, reduce estate taxes, etc., while simultaneously benefiting a good cause or institution. 
 
 Investments
 
 This service helps you to develop an appropriate asset allocation model based on your personal volatility tolerance. This helps you to maximize your rate of return while keeping risk at levels that are personally tolerable. 
 
 Retirement Planning
 
 This service helps retirees to structure their portfolios to maintain an increasing income stream to offset inflation while not outliving their income stream. This service also helps persons seeking early retirement (prior to age 59½) to realize an income stream from their retirement plans without having to pay the Federal 10% penalty tax.
 
 Products for Individuals and Families
 
Life Insurance (fixed and variable) , Disability Income insurance, Fixed and Variable Annuities, Long Term Care insurance, Major Medical insurance, Mutual Funds,  Managed Accounts, Stocks and Bonds, Limited Partnerships, and  Individual Retirement Accounts (IRA, Roth IRA, Inherited IRA, Educational IRA), 529 College Savings Plans.
 
Services and Products for Businesses
 
 Retirement Plans
 
401(k) plans, pensions, profit-sharing plans, Keogh (HR-10) plans, SIMPLE-IRA plans, and Simplified Employee Pensions (SEP).
 
 Non-Qualified Employee Benefits
 
This type of plan can be used to reward selected employees (including stockholder-employees under certain circumstances) without conflicting with the discrimination requirements of qualified plans. Some examples include Deferred Compensation, Executive Bonus, Select Employee Retirement, and Split-Dollar.
 
Disability Salary Continuation Plan
 
These plans can be offered to all employees or to a select group of employees. These plans can be used to supplement Group Long-Term Disability plans. A formal Disability Salary Continuation plan can help an employer to avoid unnecessary taxes as well as provide a "golden handcuffs plan" to retain valuable employees. 
 
 Group Benefit Plans
 
 Medical, Dental, Vision, Life and Disability plans. 
 
Business Succession Planning
 
This service helps the business owner(s) provide for an orderly transition of the business to new owners or succeeding generations in case of death, disability, or retirement. This service can include discussions of business valuation, different types of buy-sell agreements and funding mechanisms.

Key Employee Planning

This service helps you to assess the cost of loss of a key employee to your business and how to offset that potential loss.
 
Products for Businesses
 
 Note: Many of the following products can be offered on either a group or individual basis.

 Life Insurance, Disability Income insurance, Fixed and Variable Annuities, Long Term Care insurance, Major Medical insurance,  Dental insurance, Vision Care insurance, Mutual Funds, Managed Accounts, Stocks and Bonds, &  Limited Partnerships

 

While this communication may be used to promote or market a transaction or an idea that is discussed in the publication, it is intended to provide general information about the subject matter covered and is provided with the understanding that Richard Orbis is not rendering legal, accounting, or tax advice. It is not a marketed opinion and may not be used to avoid penalties under the Internal Revenue Code. You should consult with appropriate counsel or other advisors on all matters pertaining to legal, tax, or accounting obligations and requirements.