Our Services

Insurance Services

Life, disability and long term care insurance are about risk. Risk is the exposure to the possibility of loss. Risk can be assumed, ignored or transferred to a risk bearer. By asking questions and listening to you, we provide the solution to your needs. Whether for personal or business situations, we will help you to determine the appropriate type and amount of insurance.

Financial Planning1

Using a step-by-step process, our experienced team of professionals will provide a comprehensive written financial plan. This plan will help you identify your goals and objectives, provide current and projected summaries and a detailed examination of such things as your net worth, income & cash flow, asset allocation, college funding, insurance and estate plan. It will demonstrate a year-by-year progress toward retirement or other goals. This plan may help you simplify your life and gain control of your financial future. 

Investment Services1

We recognize the commitment and responsibility we undertake when we provide investment advice. That is why we listen closely to your needs and concerns, and deliver high quality investment services that correspond to your unique objectives. We encourage each one of our clients to go through both a risk analysis and an asset allocation survey  to ensure that any strategic investment planning we do truly reflects their financial goals.

1Securities and investment advisoy services offered solely by Equity Services, Inc., Member FINRA/SIPC, Broker/Dealer and Registered Investment Advisor.  National Retirement Plan Advisors is affiliated with Equity Services, Inc.

Retirement Plan Services

National Retirement Plan Advisors (NRPA) offers the benefit of 60 years of experience and provides clients with comprehensive retirement plan services. National Retirement Plan Advisors assist in the design phase of qualified retirement planning and provide administration services for a variety of plan types -- covering the entire spectrum of retirement plan administration from plan inception to termination.

In short, we can show you how you may be able to increase your client's tax-deductible contributions to qualified plans and even make existing plans more tax-efficient.

For retirees or those about to retire, we can help you determine how to best receive your retirement benefits. Our team of tax attorneys and advisors have developed the planning tools to help preserve and "stretch" these benefits to your loved ones.

Corporate Benefits Programs

If you’re a business owner, you know the importance of attracting loyal, hard-working employees. But once you’ve attracted them, what are you doing to motivate, reward, and retain them?

Perhaps equally as important, what are you doing to reward yourself?

By helping you understand - and implement - qualified and non-qualified retirement plans, we can help you set extra – even substantial - money aside for yourself and selected key associates; we can help your employees prepare for their own retirement; and we can show you ways to motivate, reward, and retain loyal, hard-working employees.

We offer the following business planning services:
 

  • Deferred Compensation and bonus plans
  • Stock redemption and cross-purchase plans
  • Key-man and buy/sell insurance
  • Split dollar techniques
  • Group life, health and disability plans

     

    Estate Planning

    You’ve worked hard over the years and you’ve accumulated some assets. But if you’re like many people, you probably haven’t taken the time to develop a plan for preserving those assets. Unfortunately, under tax law in effect for 2004, estate taxes could consume up to 48% of everything you’ve worked hard to accumulate over the years.* *

    Don’t let that happen to you.

    Let our estate planning specialists show you how to reduce the amount of taxes your estate will owe, as well as how to plan for the eventual distribution of your assets to your heirs. Through the use of wills, trusts, charitable gifting programs, and life insurance, we can help you develop:
     

  • Wealth preservation strategies
  • Wealth transferring solutions
  • Strategies for protecting your business interests

     

    2The federal estate tax exemption of $2 million increases to $3.5 million in 2009. Meanwhile, the top estate tax rate declines to 45% in 2007 where it stays until 2010. The estate tax is scheduled to phase out completely by 2010, but only for one year. Unless Congress passes new laws between now and then, the tax will be reinstated in 2011 when the exemption reverts to $1 million. 

     

    		•