SPECIALTY SERVICES
Comprehensive planning is the process of tying together estate, business, risk, insurance, retirement, tax, investment and charitable planning along with family goals and ambitions into one cohesive and integrated financial blueprint.
The start of the financial planning process should begin with identifying and prioritizing your objectives.
We take a comprehensive approach by looking at both your immediate and long term needs in the context of these six key areas.
Financial Position
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Assessing your assets and liabilities
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Understanding your cash flow
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Building emergency cash reserves
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Improving yield on cash reserves
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Reducing interest expense
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Evaluating mortgage financing
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Analyzing and structuring business finances
Protection Planning
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Losing income due to disability
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Providing for surviving spouse and children
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Giving or receiving long term care services
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Protecting personal property and assets
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Understanding current coverages
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Reducing personal and business liability exposures
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Planning for business continuation
Investment Management
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Providing funds for college education
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Earmarking assets for special purpose
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Determining required rate of return
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Understanding your risk tolerance
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Planning for inflation
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Reviewing risk and return performance
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Creating or rebalancing asset allocation
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​Growing investments for your own business
We understand that your company may require more than just a policy and the process doesn't end after the coverage is bound. By working in conjunction with our clients, we have developed facilities which provide a specific benefits to our client's businesses. These services are outside of the standard agency services, and may be customized to fit your needs.
Collateral / Loss Fund Management
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Overseeing your capital contributed
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Forecasting future contributions
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Establishing and managing a secondary fund or reserve account
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Monthly P&L on loss fund performance
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Trending contributions
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Reconciling payments from loss fund
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Ongoing balance statements
Client Underwriting
& Pricing
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Submission intake on your prospective clients
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Carrier submission and approval
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Client company pricing
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Client Service Agreement Issueance
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Maintain client underwriting file
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Client Company profitability review
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Client class code & state additions
Acquisition Exposure Analysis
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Due Diligence review of seller's book
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Attrition trending and forecasting
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Determining required rate of return for risk
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Class code evaluation and analysis
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Defining any coverage challanges
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Forecasting acquisition's effect on client's loss fund or collateral
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Assist in transition of business
Experience Modifier Assistance
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Verifying factors used in calculations
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Split-point review and confirmation
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Loss weighing check
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Submitting dispute of modifier
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Management and control of dispute process and inquiries
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Ensuring revisions are properly posted and applied
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ARD change assistance
Expert Witness Services
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Testimony provided in over 200 cases
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Provide articulate testimony in a way the court easily understands
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Federal & State jurisdiction experience
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No career expert witnesses (many states require experts to actively practice in their field of expertise)
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History of working closely and well with counsel
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High settlement rate
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(CV & case history available upon request)
Background Screening Services
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Fast, online process
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Direct link to client's website
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Group plan and rates
Premium Financing Services
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Access to several finance companies
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Competitive Rates
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Low down payments