Investment* &
Insurance Services
Some of the recommendations made by our firm will involve the
purchase and/or sale of insurance and security products. Neil
Palache and Kevin Farrell offer insurance products from a number
of highly respected companies; and offer securities* products
in their capacity as Registered Representatives of Associated Securites.
Dick Hilleary offers insurance products. Clients
are under no obligation to act on recommendations for insurance/security
products, or to affect the purchase/sale of these products through
our firm. However, if the client chooses to implement specific
product recommendations, we would receive commissions for those
transactions.
Business and Succession Planning
Which buy-sell agreement is the most suitable for your particular
situation and what methods should be used to ensure the execution
of this buy-sell document? Whether your business is private
or public, small or large, closely held and/or family, we
can help you in planning its success or disposition.
Key-Person Indemnification
What happens to our business if a key person dies or becomes
disabled? How do you best plan for that possibility?
Estate Planning**
How exactly do you plan your estate to make sure that you
take advantage of whatever options are available to you? What
are the best legal documents to use? A Living Trust, an Irrevocable
Trust, or maybe even a Family Limited Partnership or a Limited
Liability Company needs to be explored.
Let us assist you not only in planning the distribution and
reduction of your tax liability at death, but how to best
take advantage of your assets while you are alive. There are
many techniques, which can be used to reduce your taxable
estate and fund the tax, while at the same time preserving
assets and improving your lifestyle.
**Estate planning is accomplished by working
in conjunction with your tax and legal advisors.
Pension and Retirement Planning
Have you ever looked into all the available types of retirement
plans? There are IRA's, SEP-IRA's, SAR/SEPS, 401ks, Profit
Sharing, Defined Contribution, Defined Benefit to name a few.
We can help you determine exactly which plan makes the most
sense for you and your company.
Employee Benefits Planning
The most commonly used employee benefit is health insurance.
It is also the most complicated to understand, especially
today, with PPO's, HMO's and the like. Our specialists can
help you plan the most cost-effective way to provide this
benefit as well as other benefits such as dental and vision.
Life Insurance
This is an area that can befuddle the best of us, but our
expertise and experience stretches far and wide. Term, Whole
Life, Universal, Variable*, and myriad of other life insurance
products are offered through our organization and are representative
of the top companies in the industry.
Disability Income Insurance
Where is your income going to come from and who is going
to pay your business expenses if you cannot? Should your strategy
include group disability income insurance, individual coverage,
State Disability Insurance and/or Social Security? Will your
pension contribution continue? Our professionals can help
to design the best strategy.
Investment Planning*
Through Associated Securities Corp., we have access to many
of the top investment management companies.
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