Investment management is not a one size fits all proposition. We don't believe in cookie cutter approaches. Our clients have unique needs which require individually tailored solutions. This requires flexibility and resources. We provide both.
Our Services
Through its wholly owned insurance agency, Brookwood Insurance Group, we offer comprehensive risk management planning for our clients. We offer a deep well of experience and resources to meet our clients needs, from straight forward pure protection to more nuanced complex solutions
Life Insurance
Life insurance is an essential tool to assist in planning for the unexpected. Beyond planning for income replacement, estate liquidity and generational gifting; life insurance may be used as an alternative asset class. Certain life insurance designs may allow you to accumulate cash values that grow tax deferred, and creditor sheltered.
For business owners there are several benefits for insuring key employees, retain highly talented employee and help fund a succession plan for retirement.
Our team can help you design a plan that meets your needs and more importantly title your policy to maximize your estate efficiencies. Reviewing your insurance needs should be part of your financial plan review.
Long Term Care
2 out of 3 individuals who reach the age 65 will need some form of long term care. Long term care is performed in the home, adult day care, assisted living and nursing home. Long term care is funded by you, insurance, or the state Medicaid system. The misconceptions about planning for long term care are numerous. When qualifying for payment assistance for nursing home assets are broken up into countable and non-countable assets. Further the nursing does not require you to sell the family home to receive care.
Planning for long term care is a very complex process and is better discussed prior to needing assistance with activities of daily living. Further the importance of having proper estate documents such as a healthcare surrogate and durable power of attorney will allow your designated appointee to make decisions for you in case of a debilitating cognitive impairment.
Disability
Disability income insurance is essential to protecting yourself and your family from becoming improvised. Most families in the United States have less than 6 months of living expenses in savings excluding retirement plans. Qualifying for the Social Security Disability Income benefits is time consuming and costly. Further it requires a permanent disability from working in any occupation.
Disability Insurance comes in several forms such as a voluntary benefit through your employer plan, individual plan and business owners’ policies. Our team can help you design benefits for your needs. Plans may include short terms coverage to pay bills, partial benefits if you are partially disabled and business partner buyout resources. Most importantly we can design benefits that trigger payment when you are unable to perform at your occupation not just anybody’s occupation.
Annuities
Annuities come in several different forms such as Social Security payments, lottery winnings, pensions, private insurance arrangements and my weekly golf partners. An annuity is simply serial payments for a specified duration to the annuitant by the obligator. Apart from my weekly golf winnings these payments are designed to be predictable and help support monthly overhead commitments.
Annuities may also grow tax-deferred for long term cash accumulation. Since their inception private insurance companies have added many additional benefit features such as interest crediting options, payment options and payment enhancements for confinement care.
Medicare
2 out of 3 individuals who reach the age 65 will need some form of long term care. Long term care is performed in the home, adult day care, assisted living and nursing home. Long term care is funded by you, insurance, or the state Medicaid system. The misconceptions about planning for long term care are numerous. When qualifying for payment assistance for nursing home assets are broken up into countable and non-countable assets. Further the nursing does not require you to sell the family home to receive care.
Planning for long term care is a very complex process and is better discussed prior to needing assistance with activities of daily living. Further the importance of having proper estate documents such as a healthcare surrogate and durable power of attorney will allow your designated appointee to make decisions for you in case of a debilitating cognitive impairment.
