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You may now download any financial concept you would like below...

Financial Concepts
We have provided a list of downloadable concepts that cover a multitude of planning areas. We believe in education. These concepts will provide you with some brief over view about the concept. We encourage you to sit down with us for a financial review to find out which concept might work best and how to implement it. 

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Personal/Financial Strategies
Income Protection

• How Much Will You Earn in a Lifetime?
• Capital Needed to Replace Earning Power
• Personal Financial Security Needs
• Odds of Dying (Male)
• Odds of Dying (Female)
• How Much Life Insurance Do I Need?
• If Disability Strikes
• Sources of Funds During a Critical Illness

Education Strategies

• Approximate Undergraduate Costs
• Impact of Inflation on College Costs
• Education Funding Option
• Education Tax Incentives (Overview)
• Education Savings Account Basics
• Qualified State Tuition Program Basics

Wealth Strategies

• How Much Will You Earn in a Lifetime?
• Managing Your Finances
• Tax-Favored Retirement Savings
• Deferred Annuity in Action
• Life Expectancy After Retirement
• Income Annuity Solution
• Regular IRA vs. Roth IRA...A 2014 Comparison
• A TDA Solution

Retirement

• Financial Independence at Retirement
• Importance of Planning for Retirement
• Capital Required at Retirement
• The Price of Delaying Retirement Savings
• Odds to Living to Retirement at Age 65 (Male)
• Odds to Living to Retirement at Age 65 (Female)
• Important Facts About Social Security Retirement Benefits
• Hypothetical Pension Benefit Results
• Long-Term Care...Did You Know?
• Need for Long-Term Care Insurance

Charitable

• Wealth Replacement Trust in Action
• Charitable Remainder Trust in Action
• Charitable Lead Trust
• Charitable Gift Annuity or Pooled Income Fund
• Split-Interest Charitable Gifts
• Retirement Plan Assets

Estate

• The High Cost of Dying
• Estate Shrinkage in Action
• Estate Shrinkage Profiles
• Estate Tax Flow Chart
• The Estate Analysis Process
• Paying the Estate Tax Bill

Business Strategies 
Small Business Ownership

• Corporate Federal Income Taxation
• Odds of Dying
• Odds of Becoming Disabled
• Business Continuation Planning
• Business Protection Planning
• Executive Benefit Planning
• Employee Benefit Pyramid
• Menu of Services

Business Continuation

• Assisting a Key Employee to Fund an Insured Buy-Sell Plan
• Insured Buy-Sell Plans Comparison for Partnerships
• Insured Buy-Sell Plans Comparison for Corporations
• Insured "Wait-and-See" Buy-Sell Plan
• Three Ways to Fund a Section 303 Stock Redemption Plan
• Four Ways to Fund a Buy-Sell Plan
• Four Ways to Fund a Disability Buy-Sell Plan

Business Protection

• Key Employee Indemnification Insurance Plan In Action
• Business Loan Insurance Plan In Action
• Business Overhead Expenses Protection In Action

Employee Benefits

• For Use with Employers:
• The Employee Benefit Pyramid
• Employee Benefit Action Checklist
• Health Savings Account in Action

For Use with Employees:

• Health Savings Accounts
• Health Savings Account in Action

Executive Benefits

• The Reverse Discrimination of Qualified Retirement Plans
• Executive Bonus Plan In Action
• Insured Death Benefit Only Plan In Action
• Business Split-Dollar Life Insurance Plan In Action
• Split-Dollar Life Insurance Plan Premium Variations
• Group Carve-Out Plan In Action
• Insured Disability Salary Continuation Plan In Action
• Deferred Compensation Plan In Action
• Selective Executive Retirement Plan In Action