Financial products used to implement and help you pursue your financial goals.
Investment and Advisory Services:*
We recognize the commitment and responsibility we undertake when we provide investment advice. That's why we listen closely to your needs and concerns, and deliver 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 his/her financial goals.
We assist our clients in establishing and implementing financial and estate planning strategies designed to protect their families, businesses, reduce their tax liability as well as help them pursue their investment* and asset accumulation goals. We make sure that any strategic planning that is performed is carried out accurately to ensure its beneficial effects reach into the next generation. As asset managers, the plan, not the product, drives us. We are more interested in assisting with financial objectives than merely selling a product. By applying the appropriate plan strategies, keeping abreast of changes in the tax law and selecting quality insurance and investment* products, we seek to enhance our clients' personal, business and financial well-being. We take pride in our ability to develop new and innovative ways to keep your money working for you and your family for as long as possible.
Working with your other professional advisors, we design, implement and provide funding alternatives for business continuation and/or succession plans to protect against premature death or disability. By providing business valuation services, and tax succession plans, we can help your business succeed both today and tomorrow.
Trust and Estate Planning Strategies:
We offer services from several Trust companies, including American Guaranty & Trust Co.**(AG&T) of Wilmington, Delaware. Trusts can be ideal for helping keep assets out of probate and for reducing estate and income taxes. They can be used to transfer assets for the protection of your heirs, to avoid taxation of life insurance proceeds in your estate and to keep your assets intact while paying income to someone you designate. Through the use of various trusts and other planning techniques, we can help you protect what you've worked a lifetime to build, and make sure that your assets are distributed as you want them to be.
Life and disability income insurance are about risk. Risk is the exposure to the possibility of loss, and it can be assumed, ignored, or transferred to a risk bearer. By asking the right questions and listening to your answers, we are able to recommend and help you implement strategies to meet your personal and business goals and objectives.
Disability Income Insurance:***
Through some of the country’s leading disability providers, we can help you design and implement appropriate personal and business disability insurance that will help you and your employees replace the flow of income lost due to periods of sickness or following an accident.
Our custom designed, qualified and non-qualified employee benefit programs include:
- Equity Split Dollar using corporate dollars for personal insurance
- Executive Bonus Plans fully tax deductible to the employer and totally selective in participation
- Deferred Compensation Plans provides maximum corporate flexibility and control
- Salary Continuation Plans provides maximum security for key executives
Many Products and Services provided through National Life Insurance Company and its affiliates:
National Life Insurance Company, a dynamic and growing financial services organization offering a wide range of life insurance, annuities, financial and retirement planning products, as well as pension design. Established in 1850, National Life is based in Montpelier, Vermont. It is licensed to do business in all 50 states and the District of Columbia.
Life Insurance Company of the Southwest, based in Addison, Texas and established in 1954, is an independent subsidiary of National Life and a recognized leader and provider of annuity products. LSW is licensed in all states except New York.
Equity Services, Inc. A registered broker-dealer and fee-based registered investment advisor affiliate of National Life Insurance Company. One National Life Drive Montpelier, Vermont 05604 (802) 229-3900
* Securities and Investment Advisory Services are offered solely through Registered Representatives and Investment Advisor Representatives of Equity Services, Inc., Member FINRA/SIPC, a Broker/Dealer and Registered Investment Adviser, One National Life Drive, Montpelier VT 05604, (802) 229-3900. All of the above companies are affiliated unless otherwise noted. Key Advisors Group, Center and American Guaranty & Trust Company and all other entities are independent of all companies referenced above. Securities involve risks, including the possible loss of principal invested.
** Trust services offered through American Guaranty & Trust Company - offering complete personal trust and custody services since 1914. Wilmington, Delaware.
*** Disability insurance is available through representatives who are independently contracted with one or more disability insurers. Disability insurance is not underwritten nor issued by National Life Insurance Company or its affiliates.