Financial Strategies & Asset Allocation
A holistic process designed to help individuals consider their existing financial situation, outline goals and objectives in the area of retirement, estate, business, and college planning, and implement strategies to effectively address their financial concerns. A systematic and disciplined approach to utilizing asset allocation analysis, tax mitigation, and ongoing monitoring to align an individual’s goals and objectives with their assets. Numerous platforms including, institutional money management, mutual funds, and annuities are utilized to help meet the ever-changing needs of our clients. back to top
Estate Planning & Wealth Preservation
In conjunction with tax and legal advisors, we help you identify and understand your estate planning options, create and implement plans to preserve and protect your wealth for your lifetime, as well as future generations.
(Shuster Financial Group, LLC does not provide tax or legal advice.) back to top
Executive Benefit Planning / Deferred Compensation Plans
Selective plans provide retirement benefits and in some cases supplemental death benefits to select key employees and can be used to replace or enhance group or tax-qualified retirement benefits. Nonqualified executive benefit plans are based upon whether the benefits provided are in lieu of, or in addition to, current compensation. These are deferred compensation plans and supplemental employee retirement plans, respectively. Funding products for these plans include life insurance, annuities and mutual funds. back to top
Employee Benefit Plans (Group Health, Dental, Disability, Cafeteria Plans, etc.)*
A strong and robust employee benefits package is often the key to attracting and retaining quality employees. Every employee's contribution makes a significant difference to the success of the business. Employee Benefit programs help protect current employees against losses associated with illness, disability, or death. They are offered as group plans and are governed by strict and complicated IRS regulation.
* These products and services are not offered through Equitable Advisors or Equitable Network, LLC. back to top
Risk Management (Life, Disability & Long Term Care Insurance)
Mitigation of risk is the foundation of financial security for you, your family and business. A death or disability could seriously hinder the financial future of your family and business, if precautions have not been put in place.
For Businesses: Business Risk Management planning is vital to help ensure that your business survives in the event of a life cycle change, i.e. death, disability, or retirement, and protect your business assets and liabilities. This can mean keeping the family business in the family or, in the case of non-family businesses, helping to ensure the orderly transfer of business interests. Specifically, we provide the following resources for guidance on the various planning strategies and funding techniques, specifically geared to the desired goals of the company. These goals can include succession planning, the selling of a business or key executive benefit plans. Potential strategies and services include:
- Cross Purchase Buy-Sell
- Stock Redemption Plans
- Key Person Coverage
For Individuals: A well-designed risk management program taking into account the needs of the individual and your family. This protection can minimize the financial impact of life's unexpected tragedies while providing a strong financial foundation for future growth.
- Life Insurance
- Disability Income Insurance
- Long-Term Care Insurance
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Corporate Financial Strategies & Employee Educational Seminars
With the current economic climate, employers are pressed to look for innovative ways to provide meaningful and effective benefits for their employees. Building morale and providing value-added benefits while watching expenses has become a great challenge for most companies. This program enables you to offer your executives and/or general employees the opportunity to:
- Attend educational workshops that address their personal financial needs
- Receive premier financial services
- Implement a personalized plan to help achieve their financial goals
- Access state-of-the-art financial tools and timely educational materials online
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Retirement Planning
The retirement stage represents a very important part of your financial lifecycle. At this point, you must make your investments work for you as you prepare to survive on the wealth you have accumulated. back to top
Fee-Based Individual Planning
Financial planning gives you a path to follow defined goals, measureable results, and a feeling of confidence and self relief. You can only reach financial independence by planning for the future. You can't plan for the future without knowing where to start and how to get there. A financial plan is like a roadmap that will help you reach your destination. When you have a roadmap, you have confidence that you will arrive at your goals. Through the financial planning process, you will:
- Receive a financial roadmap custom tailored to your unique needs
- Gain a snapshot of your current financial situation and a step-by-step process to achieve your goals
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