SOLUTIONS FOR INDIVIDUALS & FAMILIES

Insurance Protection

An important part of planning for the future is protecting it. Whether you live too long, die too soon or become disabled, these products can help you and your family protect the life you have built.

  • Universal Life Insurance
  • Indexed Universal Life Insurance
  • Variable Universal Life Insurance
  • Term Life Insurance
  • Whole Life Insurance
  • Disability Insurance
  • Long Term Care Insurance

Retirement Planning

A key to any financial strategy is preparing for retirement. There are a variety of options to help you prepare for your leisure years.

  • IRAs
  • Equity Indexed Annuities
  • Mutual Funds
  • Immediate Annuities
  • Variable Annuities

College Funding Plans

Whether preparing to send the first or fifth child to college, your Strategist can help you begin saving now.

  • 529 College Savings Plans

Legacy Strategies

Without a personal legacy plan, the value of your estate can be eroded by taxes and the disposition of your assets may not be what you intended. Your Strategist can work with your attorney and tax professional in funding legacy strategies such as:

  • Charitable strategies
  • Charitable Remainder Trusts
  • Wealth Replacement Trusts
  • Irrevocable Life Insurance Trusts

Make sure to speak to your CPA to determine the financial impact of these and other strategies, and contact your attorney to draft wills, trusts or other needed legal documents. Life insurance is often a crucial part of a legacy strategy, and your Strategist can help you determine which products may be appropriate for your needs.

Investment Advisory Services

Relationships with independent third-party money managers allows our Team to provide personal, professional money management services. These third-party money managers can work with the following types of assets:

  • Mutual Funds
  • Exchange Traded Funds
  • Individual stocks and bonds through separately managed accounts

Securities products are sold by prospectus, which contain more complete information about charges, risks, objectives and expenses. Copies of specific product prospectuses and statements of additional information may be obtained by contacting your registered representative. Prospectuses should be read carefully and the charges, risks, objectives and expenses should be carefully considered before investing or sending money.

Long-Term Care

A plan to cover long-term care expenses is often overlooked but can be a key component of a solid financial foundation. Although the need for long-term care may be long in the future, the time to plan for it is now to help you and your loved ones help cover expenses if and when extended care is needed.

SOLUTIONS FOR BUSINESSES

As a small business owner, you provide financial and insurance solutions for yourself and your employees, as well as ensure the future security of your business. A variety of products and services exist to help you meet these needs.

Executive Compensation Programs

Executive compensation solutions can help you attract quality employees and retain key personnel. Life insurance can be an excellent way to fund executive compensation programs. You Strategist can help you explore different types of life insurance to find the one that may be right for your needs.

  • Deferred Compensation
  • Executive Bonus
  • Split Dollar
  • Key Person Insurance

Business Continuation Programs

You have worked hard to build the business of your dreams, so you want to make sure it is protected. Your Strategist can review different types of life insurance with you that can help fund:

  • Buy-Sell Arrangements
  • Business Continuation Strategies

Retirement Plan Solutions

It’s important for a business owner not only to invest in the company but also in the employees who work there. There are a number of options that can help you reward and retain personnel, such as:

  • 401(k)s
  • Profit Sharing Plans
  • Pension Plans
  • SEPs and Simple IRAs
  • Sole Proprietor 401(k)s
  • 403(b) Plans
  • 457 Plans

Investment advisory and financial planning services are offered through Alphastar Capital Management LLC, a SEC registered investment adviser. The Veritas Group, In. and Alphastar are separate and independent entities. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability.