Disability Income Replacement
While most Americans insure their lives and material assets, like homes, cars, etc., many overlook the need to protect their most valuable assets.

Long Term Care
"Long-term care" (LTC) is a phrase which is used to describe a variety of services in the area of health, personal care and social needs of persons who are chronically ill.

Flexible Spending Accounts
Flexible Spending Accounts (FSA) are a type of cafeteria plan, commonly used among smaller employers.

Qualified Retirement Plans
Qualified Retirement Plans are congressionally approved plans which have several major tax benefits.

Types of Life Insurance Policies
In choosing the type of life insurance policy you purchase, consideration must be given to the need which is being filled.

Health Savings Accounts (HSA)
Similar in nature to an Individual Retirement Account (IRA), an HSA is owned by an individual and is thus portable.  However, it is used in conjunction with high deductible health plans.

Cafeteria Compensation Plans
Cafeteria Plans (also called "Flexible Benefit Plans") allow participating employees to choose among two or more benefits consisting of cash and "qualified benefits."

Individual Retirement Arrangements
An IRA can be established and funded at any time between January 1 of the current year up to and through April 15 of the following year.

401(k) Cash or Deferred Plans
An employee can agree to a salary reduction or to defer a bonus which he or she has coming.

Group Health Insurance
Employer paid premiums for employee medical insurance are deductible by the company whether the coverage is under a group policy or individual policies.

Group Life Insurance
An employee is not taxed on the premium paid by the employer under a group term plan, unless the amount of coverage exceeds $50,000.

Tax-Deferred Annuities
Tax-deferred annuities allow for a higher effective investment return by accumulating income on a tax-deferred basis.