Our ServicesInsurance PlanningLife InsuranceWhether you need to design a plan to protect your loved ones or implement a well-thought-out estate, business succession or charitable giving plan, life insurance is an integral part of a holistic financial plan. It is important to tailor the design of your insurance strategy so that it specifically meets your needs. Disability InsuranceDisability income insurance protects your most valuable financial asset: your income. Permanently losing your income due to sickness or injury can be more financially consequential than death. Disability income protection can come from several sources including social insurance programs, employer-provided benefits, and individually owned policies. It is important to use the proper combination of these sources to ensure your financial well-being is properly protected. Please note that products may be available through one or more carriers not affiliated with New York Life Insurance Company, dependent on carrier authorization and product availability in your state or locality. Long Term Care InsuranceWith the need for care frequently representing the largest threat to one’s wealth in their final years it is important to evaluate all of your planning options. We can assist in guiding you through the planning opportunities available and developing a plan to protect your assets that is right for you. Health InsuranceUsing the resources available to us, we can align you with an available plan that meets your needs, with a carrier in your state. Investment PlanningEffective investment planning does not occur by accident, but rather requires thoughtful and rigorous analysis as well as adherence to proven portfolio strategies. The most successful plans are continually monitored to ensure they remain relevant to your situation, given prevailing economic and market conditions. Developing a realistic plan that addresses funding sources, growth projections and eventual distribution will raise awareness of what you need to save in order to effectively accomplish your investment goals. Whether your goal is a comfortable retirement, to assist your children with college expenses, or to make a big purchase we can design a plan for you. We can help you determine how much you will need and how much you need to be saving. Considerations such asset allocation, when you will have access to your money, and the tax consequences will be important factors in the design of your plan. Some common investment planning tools that we incorporate into our client’s plans include:
* Securities offered through NYLIFE Securities LLC LegacyContrary to popular belief, estate planning is for everyone and not just for the very wealthy. Estate planning is the proper combination of:
Through collaboration with your own legal advisors and utilizing our resources, we strive to ensure your assets pass to your heirs in the most efficient manner possible. Retirement Income PlanningTransitioning to retirement can be scary. Many common questions include:
Factors such as the design of your portfolio, the tax implications of withdrawals, and the structure of your income (guaranteed vs non-guaranteed) are important considerations. We have found that the strategies designed to distribute wealth differ greatly from the strategies used to accumulate wealth. Creating a customized solution for your lifestyle and spending needs will be an important part of your peace of mind in retirement. BusinessMany of our clients are successful business owners, having accumulated much of their net worth through ownership of a privately-held corporation. One common thread we have found is that they have dedicated their lives to building their business, often times at the expense of their personal financial goals. Let us show you how to create a plan that coordinates your personal planning with your business planning. A properly designed plan will allow your business to work harder for you while you work hard for your business. A few common business owner strategies we work with include:
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Contact Info
4900 University Avenue, Suite 225
West Des Moines, IA 50266
Map and Directions
Phone: (515) 453-1304
Fax: (515) 453-1490