Brokerage
Services
Our
firm began in 1991 as a Brokerage Source for
independent insurance agents. Today, we still
fill that role, and much more.
Agents
do business with us because they know we are
MORE than a product source. We are their "backroom".
Our goal is never to leave a client's needs unmet.
Employee
Benefit Planning
Besides traditional
group plans, we offer Partial Self-Funding Plans;
Health Reimbursement Account
Plans, Flex-Funding
Plans, HRA, and HSAs (Health Savings Accounts).
We are well-known for developing employee benefit solutions that go beyond the 'cookie-cutter' out-of-the-box group insurance plan. We work with agents and employers to create
benefit plan solutions that work for them.
Other benefits available include: Short & Long-Term Disability,
Dental & Vision Insurance, Accidental Death & Travel
Accident, Truckers Occupational, Critical Illness and Group Long-Term
Care. Along with Limited Benefit Plans and plans for the Self-Employed
Flagship Planning uses a variety of Voluntary Benefit
products to enhance a program.
Tax
Strategy Planning
Our objective is
not to sell products. Many people avoid proper
planning
because they don't want to be "sold" something.
Flagship
Planning's goals is to help a client determine
their own objectives then to create a solution
designed just for them using a broad range of financial
service products. So when someone asks, “What is Tax-Strategy Planning?” Our answer is, “It’s finding a solution to the financial concerns the client has.” Tax-Strategy Planning encompasses business insurance, Estate Planning, investment strategies, and retirement planning without have a pre-conceived about what the client needs are or what they should do.
The US Tax Code offers us a wide range of solutions,
conventional and unconventional,including charitable gifting, premium financing, life settlements, trusts, corporate entities, and much more. We always work with
a clients' other advisors to implement those
solutions
Health
Insurance
Individual
Major Medical, Short-Term, HSA, Accident-only
plans are available.
Long-Term
Care (LTC) is not just for Seniors anymore.
Tax law changes allow anyone to buy LTC on
a tax-deductible
basis, especially businesses. And even have
the policy paid-up by retirement. HSA contributions can pay LTCi premiums.
Disability
Income, even for people with existing heath
conditions. Simplified Issue products to cover mortgages.
Business
Overhead Expense: Pays operating expenses when
owner is sick or injured and can't work. Tax-deductible!
CRITICAL
ILLNESS - The new form of insurance protection
for a new age. Medical Science allows us to survive
illnesses that were fatal even 5 years ago, but
at what cost? Up to 50% of all Major Illness costs
are not covered by traditional insurance products.
MEDICARE isn't simple anymore. Seniors and Medicare Disabled have a choice of Traditional Medicare with a Traditional Medicare Supplement or the new Medicare Advantage Plans. Plus a wide choice of prescription drug plans.
Succession
Planning
Whether transferring
a farm or ranch to a child or transferring a
business to partner(s), proper planning is important.
Six
elements in proper planning must be considered:
Death, Disability, Divorce, Critical Illness,
Asset Valuation and Funding
It’s not enough to consult an attorney and buy some term insurance. How does a business deal with an insurability issue, underfunding, retirements, and withdrawals?
Business
Owner
Planning
Those of us who own
businesses want to get more than a good living out of our
business. We expect to retire with what we can take out of the business. Few business owners realize there are a lot tools
to help them
get most out of their business on a tax-efficient
basis.
We
can help clients and their advisors understand
and implement these both traditional and unique, IRS-accepted
tools.
Life
Insurance Planning
Most people have a NEED
for life insurance products. We'll assist agents in helping clients
determine those needs and create s
solution that best fits the client's philosophy
and pocketbook.
We use some of the best planning software available. How much life insurance is needed, what mix of permanent and term, what features or optional benefits to use.
- Term
insurance may have a lower premium but isn't
always the best solutions.
- Indexed
Universal Life and Annuities
- Fixed
UL and Annuities
- Variable
Life and Annuities
- Return
of Premium Term Insurance
- Critical
Illness Insurance
Retirement
Planning
For employers looking for
traditional solutions, or looking to benefit
a few employees, we can help.
Most
people know IRAs and 401k. Fewer realize that
other retirement plan options exist. Using both qualified
and non-qualified plans can increase retirement and lower net taxes..
And
when the client is ready to retire, we can help maximize
retirement income.
Estate
Planning
Many
people think the Estate Tax will be eliminated.
Maybe. But while Congress continues to debate, people forget that in 2011 the Estate Tax rules revert to those in place in the early 1990’s with limited exemptions.
Congress
may change the tax but it does, it could be replaced by other taxes like a Capital Gains Tax on every asset sale or transfer that will actually cause families will pay even more
taxes long-term.
Proper
Estate Planning is still important.
Compliance Issues
-
IRC 404 Compliance Employee
Benefit eligibility issues.
- Business
management regarding HIPAA Compliance
- COBRA compliance has become a major issue as Cobra gets more
- We
have access to the people and resources to help!
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