Personal Solutions

Wealth
Management
and Retirement Planning

We work with our clients to design and implement a variety of accumulation and retirement income plans, offering insurance products, investment programs ranging from separately managed portfolios of stocks and bonds to mutual funds, and access to third-party wealth management programs. We offer a consistent process to help ensure management of investment assets according to your goals, risk tolerances and time horizon. We then monitor your plan on a continual basis, and adjust and evolve as your needs change.

Estate Planning

A well-engineered estate conservation plan can minimize tax liability and ensure that loved ones are protected. We will work with you and your other advisors to assess the impact of state and federal taxes on your estate and suggest strategies to help minimize those taxes while meeting your personal philosophies and family needs.

Asset Protection

There are numerous financial strategies and retirement income plans that can help you accumulate assets for the future, shield your business and personal assets from liabilities, and safeguard asset transfer to children and grandchildren. We can help you figure out what the right course of action is for your specific situation and objectives.

Investment
Management

Managing your wealth requires a clear understanding of your overall investment objectives. Through Eagle Strategies LLC, our comprehensive investment advisory capabilities utilize a disciplined investment approach that looks beyond traditional asset allocation, while addressing important factors such as risk tolerance levels and investment time horizons.

Financial
Planning

Qualified Eagle advisors provide personalized financial planning to our clients that is specific to several variables including their income, risk tolerance, values, and family. We work with each client to identify and prioritize their goals, explore options, establish effective strategies, construct and execute a plan, and assess the performance of the plan and make adjustments as needed.

Disability and
Extended Care Needs

To execute a sound retirement strategy, asset and income protection are a must. Designing a plan that encompasses managing costs for extended periods of care and disability insurance can help create the necessary balance in a portfolio to ensure stability and protection of assets.

401(k) and IRA
Rollovers

When you leave a job or retire, you have a decision to make regarding your 401(k) money. While leaving those assets in the former employer's plan is an option, a rollover can be a consideration. Working with your tax advisor, we can help you determine the right course of action for you. This may include: leaving the funds in your existing plan, if permitted, or rolling them into your new employer's plan, if one is available and rollovers are permitted. Each choice offers advantages and disadvantages, depending on your specific needs and retirement plan, such as the desired investment options and services, applicable fees, expenses, and withdrawal options, as well as required minimum distributions and tax treatment of applicable options.

Charitable
Giving: 10 Advantages of Donating Life Insurance Proceeds

1. Your Gift Is Maximized. In addition to your current outright gifts, life insurance offers the opportunity to make a significant ultimate gift. Life insurance can help create a major gift that otherwise may have been unaffordable.
2. Your Legacy Lives On. You get tremendous satisfaction helping your church, school, or other favorite charity. And when you give the gift of life insurance, you are assured that your support and its impact lives on. Your gift might create a scholarship fund, or help continue a program well into the future.
3. Your Personal Assets Remain Intact. Using life insurance as the gift helps avoid invading your assets, which are intended to benefit and provide for your heirs. The premium can fit easily into your annual or monthly budget. (Note that you will need sufficient funds to pay the premiums to keep the policy in force.)
4. Your Charity Receives The Proceeds Of Your Gift Promptly. Your gift of life insurance is not subject to probate delays or estate settlement costs.
5. Your Premiums Are Income Tax-deductible.* Your gifts of premiums to purchase life insurance, if the policy is owned by the charity, are income tax deductible to the extent allowed by law. (Of course, the charity must qualify as an exempt non-profit organization.)
6. The Policy’s Proceeds Are Not Included In Your Estate. Life insurance proceeds paid to the charity you name as beneficiary are not included in your estate if the charity owns the policy. Should you choose to retain ownership of the policy, the policy’s proceeds are included in your estate, but the amount paid to charity is estate tax deductible as a “charitable bequest”.
7. Your Charity Has Access To The Cash Value Of The Policy. If your charity is the owner of a permanent life insurance policy, any cash value build-up within the policy is available to the charity for emergencies via policy loans, which will reduce the available death benefit.
8. Your Privacy Is Private. Since the gift of life insurance is a private matter, it can be kept confidential, without being exposed to public or family view, if that is a desire.
9. Simple To Arrange. Your agent can show you several ways to give the gift of life insurance, all assuring that your intentions will be honored.
10. Your Insurance Gift Is Backed By The Strength Of An Insurance Company.

Charitable planning allows you to support the organizations and causes that matter to you, while often providing immediate income streams and reducing your tax burden. Numerous charitable giving strategies exist, and we can help you design and execute a charitable giving strategy that is in alignment with your personal and philanthropic goals. Please seek tax advice from your own tax advisors.

^*Laws vary from state to state. Individuals should consult with their own professional advisors concerning tax, legal or accounting advice.

Safeguarding Your
Home Mortgage

There's nothing like the feeling of owning your own home. It's a part of the American Dream -to live in a home that you can truly call your own. Between picking out curtains and paint samples, you should also remember that your house is an investment. Your home represents many things – a place to raise a family, comfort, and a major financial commitment. Like other valuable assets in your life, it too needs to be protected. Realizing how important your house is to you and your family is the first step. Deciding on ways to safeguard your investment is an important step that will help guarantee the joy of owning your home for years to come.

We can help alleviate some of the worry that comes with ownership. One major concern may be that your family will face difficulties paying off the mortgage in the event that you pass on. One of the ways to help assure your family's financial security is to consider life insurance products as mortgage protectors. Products such as Permanent Life and Term Life insurance are personally-owned and portable. If purchased in an adequate amount, the death benefit can help retire the mortgage, and also help provide money to cover other expenses. Ensuring your family's future now will help ease your mind, and let you concentrate on the really important things…like choosing between carpet or hardwood floor for the dining room.