Creative Solutions & Advanced Concepts
BUSINESS NEEDS
Executive Benefit Plans
· Deferred Compensation
· Individual Disability Income Insurance
· Split Dollar/Bonus Plan
· Selective Executive Retirement Plans
· 401(k) Look-Alike Plans
· Supplemental Executive
· Disability Income Insurance
· Corporate-Owned Life Insurance
Tax-Qualified Retirement Plans
· 401(k)
· Profit Sharing
· Money Purchase
· Age Weighted
· Defined Benefit
· Simplified Employee Pensions (SEPs)
· SIMPLE IRA
Business Continuation Planning
· Business Loan Protection
· Business Overhead Insurance
· Disability Buyout
· Buy-Sell Arrangements Funding
· Section 303 Stock Redemption
· Key Employee Insurance
Employee Benefits Products
· Managed Care Medical Benefits
· Dental Benefits
· Vision Care Benefits
· Flexible Benefit Accounts
· Group Life Insurance
· Short-term & Long-term Disability Income Insurance
· Long-Term Care Insurance
PERSONAL NEEDS
Family Protection
· Life Insurance
· Disability Income Insurance
· Long-Term Care Insurance
· Estate Conservation and Charitable Giving Strategies
Wealth Accumulation Strategies
· Mutual Funds
· Variable Annuities
· Regular/Roth IRA
· Education Funding Strategies
· Retirement Needs
Our Advanced Concepts Team Can Help You Navigate:
Business and Succession Planning
For many business owners, achieving personal financial freedom depends on perpetuating a business and converting its value into financial assets. Our advanced sales team and case designers suggest programs that can meet multiple objectives.
Estate Conservation and Charitable Giving
Changes in estate tax laws have the potential to create massive uncertainty. Without coordinated planning, the largest estates continue to face potential estate tax impact. In conjunction with your tax and legal advisors, our team can help you prepare for potential estate tax impact, charitable giving programs and asset transfer structures.
Executive Benefits
While executive benefit programs keep changing with each new regulation and ruling, life insurance continues to work as a viable solution in a variety of situations, ranging from group life and key person to highly technical areas such as Corporate-Owner Life Insurance (COLI). We can provide illustrations, consultation, and technical support for:
· Supplemental Executive Retirement Programs (SERP's)
· Executive Bonus Plans
· Split-Dollar
Business Retirement Services
Both qualified and non-qualified retirement plans have become a cornerstone of employee benefits programs. We collaborate with other teams from the New England Financial and MetLife family to streamline the sales process and implement solutions tailored to your business needs. We can provide support for:
· SEPs and SIMPLEs
· Traditional and Age-Weighted Profit Sharing Plans
· 401(k)s
· Traditional and 412(i) Defined Benefit Plans
New England Wealth Strategies and NES do not provide tax or legal advice.Please consult your tax advisor or attorney for such guidance.
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