Howard Ross JD, MBA, CFP, CLU, ChFC
Michael A. Ross CLU, ChFC

Helping Clients Achieve Their Goals

Your goals and dreams are unique to you, requiring individual attention, guidance and strategies.  Through a collaborative relationship, Howard and Michael will help you assess your dreams and aspirations, and identify and prioritize your short and long-term goals.  Then, they’ll provide you with the necessary information you need to make important decisions and address the most intricate financial concerns.   All specifically tailored to meet your unique, personal needs.

During this process you will have access to leading investment and insurance companies’ products, and the information you need to make informed decisions about:

-         Individual Risk Management

We offer a variety of strategies that use products and services that may include life insurance, annuities, disability and long-term care insurance, health insurance and business planning.

-         Financial Strategies

We can help you create a financial strategy that looks at your total financial picture and gives you a comprehensive, recommended road map for organizing and addressing your major financial objectives, whether it be saving for retirement, education funding, addressing your investment goals or leaving a legacy for your heirs.

-         Investments and Retirement Funding

We give you access to the investment management experience of many of the country’s top money managers.  This breadth of product and service offering enables you to pursue a broad spectrum of investment objectives.

-         Estate Conservation and Wealth Preservation

We work with your attorney and/or tax advisor to help design an effective estate plan incorporating your financial objectives.  We offer strategies to help you conserve your assets and protect your estate from some of the federal and state tax obligations.  We assist clients in evaluating tools such as living trusts, inter vivos life insurance trusts, qualified residence trusts, grantor retained annuity trusts, along with many other planning approaches. 

With your business performance in mind, we can help you meet your needs for asset accumulation, distribution and protection.  Whether your objectives are providing meaningful, cost-effective benefits for employees and key executives or optimizing tax advantages, we offer an expansive array of innovative services and products to help fund various programs, including:

-         Employee Benefit Plans, Pension and 401(k) Implementation

To demonstrate a commitment to employees, a successful benefits package can help provide protection, security and preparation for life events.  We can help you decide which benefits to offer and implement them to help you succeed in recruiting – and keeping – the best employees.

-         Business Succession Planning

Helping to ensure that the company can survive the departure or death of the owner(s) or a key employee adds long-term value to a growing business.  We offer a variety of strategies and products, including life insurance to help address the loss of a key person, buy-sell agreements, and stock redemption funding.

-         Employee Financial Planning and Seminars

Financial planning can help you reward key executives, retain employees, boost participation in other company benefits, and enhance employee morale and productivity – all with potential overall cost savings to your business.  In addition, we also offer no-obligation educational seminars to employees.

-         Executive Benefit and Deferred Compensation Plans

We are experienced in the implementation of benefits, including bonus plans, cost-sharing plans, deferred compensation plans and other non-qualified retirement plans. 

Our commitment to you is demonstrated by our dedication to our clients, our community and our profession.  Because you have a lifetime of financial goals and objectives, we concentrate on building long-term relationships, and, as times goes by, you can count on us to be there to make sure you stay on track to meeting your objectives.

We invite you to call our office to set up an appointment to see how we might be of service to you.