Retirement Planning            Charitable Planning                   GASB 45 Solutions              Deferred Compensation             Endowment Funding                                

 

Particapatory Wellness Plans:

We offer a proprietary, Participatory Wellness Plan, that uses preventative care as incentives to create healthy living habits and in turn, more productive employees. For the employer, our plan provides annual tax savings and proven lower long-term health care costs.

 

Supplemental Voluntary Employee Benefit Plans:

Our plans offer incentives, tax savings and reimbursements to the employees that can be used to purchase state of the art products from a suite of needed benefit plans such as, medical gap coverage, life insurance, retirement income annuities, cancer coverege, long term care, vision, dental, and more. 

 

Estate Planning for Business Owners:

Less than 30% of the several million small businesses in America survive on through the second and third generations. Through various techniques and intergenerational liquidity planning, our clients have been able to pass their family businesses on through multiple generations. 

 

Deferred Compensation Plans:

As the government continues to reduce the amounts available to employees and business owners through qualified retirement programs, we provide addtional retirement income through a number of non-qualified supplemental retirement plans. 

 

Premium Financed Life Insurance:

With the low interest rate regime we currently find ourselves in, a properly designed long-term premium financed insurance plan funded though structured debt, can provide business owners a mechanism to add large sums of life insurance for their estate plans, at a lower long-term out-of-pocket cost.

 

Life Settlement Options:

Owners of life insurance polices that have been in place for a number of years, often are determined these policies are no longer be useful in an individual's estate plan. Often, these polices can be sold for value in the settlement/secondary market-place as an alternative to lapsing or terminating the policy. We provide consulting services to determine the best options to approach this confusing option. 

 

Charitable Planning: 

Individuals and families often desire to leave a legacy or major gifts to their favorite charity. We have helped our cleints use a combination of various estate planning techniques, charitable trusts and life insurance products to attain their family and charitable objectives.

 

Real Estate and Capital Project Financing Strategies:

Many developers and sponsors of capital intensive projects are seeking creative uses of financing techniques to attain senior debt for their projects. We have developed a number of techniques using residual value insurance products as "synthetic equity" to fill out a capital stack for developers. 

 

U.S. Native American Tribes and Canadian Indigneous Peoples:

We work closey with the various tribes and indegeneous peoples thorought North American to help this unqiue group of individuals commercialize their business opportunies in such a maner that generates income producing projects that can be used to help the leaders and Chiefs build their nations. 

 

 

J & K Consulting, Inc.- As an approved distributor partner of J & K Consulting, Inc, we are pleased to offer the following Medical Expense Reimbursement Plan (MERP) solutions:

 

• WeCare Program 

• Spousal MERP

• Dialysis MERP

• CRX MERP

 

Falls Advisors, LLC Life Insurance Carrier Relationships: 

 

For high net worth families, professional athletes, and high profile individuals, Falls Advisors has developed turn key solutions for nearlt 35 years. Falls Advisors has access to over 100 top tier life insurance carriers in all 50 states, qualified attorneys and accounting professionals and togetherunder a team approach, can develop a meaningful long tern solution. Our 6 Step Process of planning begins by determining the overall estate planning needs followed and a comprehensive review of the various products, premium designs, ownership options, and alternative funding design strategies. We work closely with our cleints advisors to finalize, implement and service a client specific result.