our services

WEALTH MANAGEMENT*

The strategy and ongoing management of your financial portfolio with an emphasis on total lifestyle needs, active account management and complete support to help ensure your needs are met and your portfolio outlives you.

RETIREMENT SAVING AND INCOME PLANNING

Funding and spending plans for your post-career phase of life with an emphasis on personal goals, lifestyle needs, and financial security.

COLLEGE SAVINGS

College funding design and planning with an emphasis on total portfolio review, funding options and Financial Aid assessments.

INSURANCE STRATEGIES

A full spectrum of solutions and resources concerning insurance planning including Life insurance, Long Term Care insurance, and Disability insurance with an emphasis on asset preservation, income replacement, and wealth transfer.

ESTATE DESIGN**

Strategies to reduce estate taxes, asset preservation and long-term care planning, planning for incapacitation, providing for future generations, wealth transfer, and charitable giving design with an emphasis on trusts, wills and legacy strategy.

TAX STRATEGIES

Tax analysis, tax-reduction strategies, cost basis analysis, with an emphasis on tax-advantaged planning strategies for wealth protection.

Businesses/Organizations

Retirement Plans401(k) and Roth 401(k) | 403(b) | Simple IRA | Keogh | Deferred Compensation Non-qualified plans

InsuranceGroup Life | Group Long Term Care | Group Disability| Key Person/Business Insurance

Employee Benefit EducationSeminars/Workshops | Printed materials | Online information

Federal Employee Benefits training

*Securities and Advisory Services offered through FSC Securities Corporation member FINRA/SIPC. Traditional/Fixed insurance products offered through Kramer Wealth Managers which is not affiliated with FSC Securities Corporation. FSC Securities Corporation does not offer tax or legal advice.

**Some services offered through independent strategic alliances/professional firms.