Our Services

Retirement Plans

We offer full retirement planning and asset management* services.  At pre-retirement we assist you in the selection of appropriate retirement vehicles to accumulate assets and increase performance without jeopardizing safety.  At retirement, we help you determine how to receive your retirement benefits in a tax efficient manner and position those assets to complement your retirement needs going forward.

We focus on asset preservation and helping our clients protect what they have worked a lifetime to accumulate.  In our financial designs, we account and plan for unforeseen contingencies such as long term illness, disability and market volatility.   Through the use of financial engineering, we aim to enhance our clients’ assets, increase retirement income options and offer tax reduction strategies.

Investment Services*

We recognize the commitment and responsibility we undertake when we provide investment advice. The financial management process begins with an in-depth evaluation of your current financial situation. Once we've established your overall objectives, we'll focus on your specific goals. With changing economic conditions and market swings, we advocate investing sensibly over the long term and maintaining an adequate level of insurance coverage. We work with you side by side so that you're confident in and comfortable with the financial suggestions we make.

Estate Planning Strategies & Trust Services

Our firm will work closely with your designated estate planning attorney, accountant or trust service organization.  We will help you identify your estate planning goals, and work with your advisors to implement strategies to pursue these goals.  Trusts can be used to avoid probate or reduce estate and income taxes.  They can be used to transfer assets for the protection of your heirs, to avoid taxation of life insurance in your estate or to keep assets intact while paying income to someone you designate.

Our firm also has direct access to RBC Trust, a full trust service provider, chartered in Delaware.  RBC Trust offers services such as: Revocable Living Trust, Irrevocable Life Insurance Trust, Charitable Remainder Trust, and QTIP Trust. RBC Trust, originally known as American Guarantee Trust, was founded in 1914 by the members of the E.I. DuPont family.  RBC Trust currently administers over 2,000 personal trusts and holds over $850 million in trust and investment accounts for its clients.

Tax and Legal advice are not offered.  Please consult with your personal advisors before implementing any trust or tax reduction strategies to find out how they may affect your individual circumstances.

Retirement Planning Strategies

We recognize that whether you're saving for your first home or already enjoying your retirement, financial security is always a high priority. And while everyone's personal finances and goals differ, we share the same concerns throughout our lives.

·         How can we maintain our lifestyle, meet our monthly expenses, manage our debt, set money aside for emergencies, and still save for retirement?

·         Is contributing to a 401(k) sufficient to meet our retirement goals? Will we outlive our retirement income?

·         If anything happens to me, will my family be able to stay in our home? Will there be enough money for them to maintain their lifestyle?

·         How do we ensure that our hard-earned assets will be passed on to our heirs – when we want, how we want, and with minimal tax consequences?

Professional Money Management*

Our professional money management services will provide you with a personal investment strategy built around you – your goals, your time frame and your tolerance for market risk including:

·         Broad diversification by asset class and style, to manage risk and provide the potential for above-average, after-tax returns.

·         A high degree of personalized service provided in a confidential atmosphere.

·         Continuous monitoring of your portfolio

·         Detailed account statements and performance reports to keep you informed of the status of your portfolio.

Long-Term Care Insurance

Long-term care protection should be a key component of any estate plan strategy. We can help you protect yourself and your retirement assets by providing you with access to many high-quality long-term care insurance providers.

Life Insurance

Risk is the exposure ot the possibility of loss, and it can be assumed, ignored, or transferred to a risk bearer. By asking the right questions and listening to your answers, we are able to recommend, and help you implement strategies to pursue your personal and business goals and objectives.

Employee Benefits

Our custom-designed, qualified and non-qualified employee benefit programs include:

·         Equity Split Dollar plans, which use corporate dollars for personal insurance.

·         Executive Bonus plans, which are fully tax-deductible to the employer and totally selective in participation.

·         Deferred Compensation plans, which provide a high degree of corporate flexibility and control.

·         Salary Continuation plans, which provide security for key executives.

Communication

One of the most important aspects of any relationship is communication. As your financial advisors, we place a great deal of emphasis on the importance of making sure that you are involved in, understand, and support the process by which we address your overall needs. Our professional specialties encompass the eight areas of financial services that our clients tell us are important to them, their advisors and their families.

 *Securities and investment advisory services are offered solely through Registered Representatives and Investment Advisor Representatives of Equity Services, Inc.  Concord Financial Group is independent of Equity Services, Inc.