For helping you plan for the eventual transfer of your business to heirs or associates, based on your personal desires, and to show you strategies for using tax-favored business dollars to attract, retain, and reward select key employees.

Proper business continuation planning can help ensure that your business, and the people whose incomes and lives depend upon it, will succeed when you are no longer at the helm. It also helps you answer the question: "Who will take over my business should I die prematurely, become disabled, or simply decide to retire?"

We specialize in Selective Employee Benefit Planning. This can help you:

• Provide significant perks to select employees - including yourself.
• Motivate, retain, and reward key employees.
• Increase shareholder value.
• Differentiate among key employees - you decide at which level each key employee will participate.
• Provide financing options that help offset benefit costs.

Over time Selective Employee Benefit programs can actually contribute to your company's bottom line.

2. Wealth Accumulation

Developing financial strategies with your long-term savings goals as a guide. Whatever your goals may be - helping your children afford college; paying for a wedding, a family trip, or a vacation house; early retirement; or being able to leave a legacy to your heirs or a favorite charity - we can help you establish a strategy utilizing such products as:

• Fixed and variable annuities*
• Mutual Funds *
• Stocks and Bonds*
• Cash Value Life Insurance
• 529 College Savings Plans* and Coverdell Education Savings Accounts

3. Estate Planning

For helping you preserve what you have worked so hard to build over the years, and to help you plan for the eventual distribution of your assets to heirs. Proper estate planning can help you:

• Obtain financial security for your family.
• Pass your estate on to your heirs according to your wishes.
• Reduce or eliminate taxes, administrative expenses, and delays in connection with the transfer of your estate.
• Provide liquidity to cover taxes, debts, and expenses you may owe.
• Provide the peace of mind that comes with knowing steps have been taken to protect the people who depend on you, as well as everything you've worked a lifetime to build.

4. Retirement Planning

Visualizing your retirement is important. In fact, it may be the most important first step to achieving your retirement dreams. But the key words are "first step." Your ideal retirement will not just happen. You have to dream it, plan for it and then implement your plan or strategies. A retirement plan can help you examine your current situation, project needs at retirement based on established goals and implement strategies to help the dreams become reality. Our portfolio of retirement planning products and services include:

• IRAs
• Mutual Funds*
• Stocks and Bonds*  
• Fixed and variable* annuities
• Distribution planning
• Long Term Care

When you are ready to retire, we then show you strategies designed to stretch your retirement assets out over your lifetime or pass them on to heirs on a tax-favored basis.

5. Investment and Tax Planning

Our professionals help clients maximize their investment programs by taking advantage of favorable tax laws. In addition, by using asset allocation techniques, we demonstrate to our clients various strategies to potentially maximize their investment return while helping to reduce exposure to market volatility.  Please note that asset allocation cannot guarantee a profit or protect against a loss.  These techniques help to position their investments against the potential erosion that may be caused by inflation.

Our emphasis on investment management services*, coupled with our relationships with established, respected firms, help us to customize portfolios based on each client's specific goals, objectives and risk tolerance.

6. Asset Protection

Helping to protect those who depend on you, your family and business associates, should you die to prematurely or become disabled with an insurance policy that suits your individual needs. Your income - the money you earn - provides the foundation for everything you do. From paying the mortgage to clothing your children to anything that makes you feel financially secure, everything is premised on having enough money. Money for final expenses, debt repayment, business continuation, and other monthly essentials is there when you need it most.

The above areas may be offered as part of a financial plan or planning service.  Fee-based planning services, if and when offered, are offered through Investment Advisor Representatives of PCRG or HTK.  *Securities and Investment management services are offered exclusively through HTK.