What Kinds Of Investments
And Planning Are Available?

In addition to maintaining short-term savings to cover unexpected but relatively minor financial events, it is important to consider a variety of insurance and investment options that will protect you and your family.

  • Mutual Funds can be an excellent investment tool for individuals. Because the fund is made up of investments in a variety of companies (stocks) or governments or other entities (bonds), the risk to the investor is minimized. No single company’s loss creates a significant loss of value to the mutual fund. Therefore, mutual funds are a relatively safe and desirable long-term investment for most people.
  • Variable Life Insurance provides a guaranteed value to your beneficiary at your death, but it also allows you to invest a portion of your premium in funds owned by the insurance company. This investment grows tax-free and contributes to the ultimate value of the insurance policy.
  • Survivorship Life Or Second-To-Die Life Insurance is a variation of whole life insurance which is written to cover two people and pays out at the death of the last surviving insured. This type of insurance is often used in estate planning to provide cash value to cover estate taxes and thus leave the value of the estate intact for the heirs.
  • Salary Continuation Policies, sometimes funded by employers for their key employees, will allow you to continue to receive all or a percent of your regular salary after retirement. Another feature of this type of investment is that it may be set up to pay a lump sum to your beneficiary if you die before retiring to receive the salary continuation funds.
  • Buy/Sell Agreements provide for the continuation of a business in the event of the death or disability of one of the partners. Such agreements are an important part of business planning as well as providing protection for the business owner’s family.
  • Estate Planning provides peace of mind for you and your family and the knowledge that your dependents will be cared for if you die or are disabled. Various life insurance and investment instruments are key components of estate planning and can be tailored to the specific needs of your family.