Accumulation Planning
Retirement Income Management | College Funding | Estate Analysis
In the Accumulation Phase, the objective is to build assets that will ultimately replace earned income.
The risks during this stage involve the premature loss of earnings due to disability or death.
Before we recommend any product or service, we ask questions and get a clear understanding of a client’s
circumstances and financial objectives. We then analyze their insurance and investment portfolios to identify any gaps that may exist.
Risk Management Solutions may come from a variety of sources, including:
- Term Insurance Products
- Universal Life Products
- Variable Universal Life Products
- Whole Life Products
- Disabililty Income Insurance Products
Investment Solutions may come from:
- Mutual Fund Families
- Managed Account programs
- Manager Referral programs
- Deferred Variable Annuity products
- Real Estate Investment Trusts
- Direct Participation Programs in Real Estate and Natural Gas (as available)
- Unit Investment Trust programs
- Securities Brokerage Account service levels
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