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 Products and Services

Services


We help individuals, families and businesses focus on protection and long-term wealth strategies leveraging the power of earned income in the early years. Financial decisions made in the early stages will have the greatest impact on your financial wealth creation future. We strive to get your money to work harder for you. The services we offer assist you in all of your personal Finance decisions. We offer a full array of financial products and services that, as part of your overall plan, can help you achieve your goals.

Estate Planning

We assist you in the design and implementation of programs to ensure that your wealth is passed along to family without being negatively impacted by estate or inheritance taxes. This service enables you to plan your personal estates to ensure maximum distribution and conservation to future generations.


Retirement Planning

Having the ability to retire comfortably and free from financial pressures remains the main issue for our clients - both business owners and employees. It is critical that the retirement plan be properly assigned, implemented. Communicated and administered. Retirement plans are dynamic, changing as client's businesses and tax laws change. They demand continued and careful analysis, IRS compliance review and plan administration. The appropriateness of a qualified" or “non-qualified” plan for any individual is determined based on the individual's existing financial condition as well as on his or her goals and dreams.

College Funding

We will work with you to tell you if your current savings strategy will cover your child's college expenses. Do you dream of your child or grandchild going to college? Higher education comes with a high price tag, but it‘s an expense you can meet through proper financial planning. Let us help you calculate college costs, evaluate funding options and create an education strategy tailored to your goals.

Will/Trust Analysis

Wills and Trusts are just tools in the larger process of "Estate Planning.” There is an unfortunate, widespread misconception that this topic is a subject of interest only to the wealthy. In fact, an estate plan provides the legal mechanism for disposing of property upon death in a way that recognizes your wishes and the needs of your survivors, while minimizing taxes. For many it involves, even more importantly, planning for the handling of affairs in case of disability, and the deeply personal medical choices to be made as life nears its end. Estate planning is not just for rich people. Trusts can play an important role in providing order to your financial affairs,assisting with your tax planning, simplifying your estate settlement and providing guidance for your family, and other heirs.

Asset Management 

Asset management helps our clients enhance their wealth by maximizing after-tax return with a reasonable level of risk. To accomplish this objective, we integrate Passive' Portfolio management with a commitment to alter-tax strategies across all appropriate asset classes. We work closely with you to design and manage a strategy that complements your specific investment objectives. Your asset allocation can consist of quality money market funds, well-researched equities, and investment quality fixed income obligations.

Life Insurance Ownership Management 

Insurance is an important part of a complete financial plan. It protects your heirs in the event of your death, and it can protect you in the event of a disability. We can help you determine what type of coverage is best for you. We can provide access to insurance products, including term life, whole life, universal life, variable life, survivorship, single premium, long-term care and long- term disability insurance. As you build relationship and share financial information with us we are in a unique position to provide guidance and determine which insurance products are best for you.


Long Term Care 

There’s a good chance that you may need to pay for nursing home, assisted living or home health care one day. In fact, more than half of the US. population will require long-term care at some point in their lives. Long-term care involves helping you with the most intimate aspects of your life, like what and where you'll eat and your personal hygiene. Unfortunately, this kind of care is expensive. You probably shouldn't assume that Uncle Sam would help. Medicare does not cover most long-term care costs. Medicaid benefits are only available to you when you've depleted all of your assets. We will help you protect yourself against long-term care expenses with the appropriate coverage.

Managed Accounts

Because every investor is unique, our investment programs are designed to link your specific investment needs to the appropriate method of professional investment management. In a world when traditional securities analysis and portfolio management are being questioned as out of date in relation to the "new" era of day trading we are committed to providing personalized investment management services to individual, families, and individuals. We emphasize that each client has unique needs and goals that deserve to be addressed differently. This approach has benefited clients of our firm for many years, and we believe it will remain a successful approach into future decades.

Mutual Funds 

A mutual fund pools money from many investors who share the same investment objective as the fund. Mutual funds give everyday investors a variety of investment opportunities. Investors in Mutual funds benefit from the knowledge and experience of professional investment managers who are dedicated to security analysis, evaluation and selection. Investors can have immediate access to their money by selling shares at the fund’s net asset value. Because mutual funds generally invest in a wide range of securities, like stocks and bonds, they provide easy diversification. And because mutual funds are sold in shares, no matter how much you invest, you own a proportionate amount of all the fund‘s holdings. Custody, tax reporting and record keeping are among the many services mutual fund companies provide in a highly cost-effective manner.

Variable Annuities

A variable annuity is a personal retirement strategy that can provide you with a solid foundation for your financial future. You may choose among a full range of professionally managed investment portfolios. Your investment return will then fluctuate overtime reflecting the performance of the investment portfolios you choose. Your variable annuity investment provides for tax-deferred growth. You don't pay any current taxes on earnings until they are withdrawn. One of the most unique aspects of a variable annuity is the guarantee you can place on your investments. Variable annuities often provide investment value protection by offering guaranteed death and living benefits. The death benefit guarantees investment amounts for your beneficiaries and living benefits protect investments amounts for you. Additionally, to protect against outliving your income, all variable annuities provide for lifetime income options, which can spread taxation over a lifetime.

Employee Benefits

Providing an employee benefits package that includes quality, affordable health care coverage continues to be one of the greatest challenges for today's employers. We put our considerable experience in this field to work on delivering alternatives to our clients. We evaluate the design of different benefits packages to achieve the best pricing structures and advice on implementing such options as cafeteria plans that allow for employee cost-sharing through tax deductible contributions. As well, we administer the benefits program, assisting employers with the claims filing procedure.

Buy/Sell Strategies 

A Buy-Sell Agreement is simply a written agreement made between the partner or shareholders of the business specifying buy out provisions caused by such things as death, disability, divorce, Bankruptcy, voluntary termination, company dissolution, etc.

     The execution of a Buy-Sell Agreement secures a number of very tangible benefits for the shareholders, including: 

  •   Continuity of management and control for the remaining owners
  •   A ready market for typically non-marketable business interests
  •   Liquidity to the decedent’s estate for estate taxes and administration costs
  •   A fair valuation of the business interest for federal estate tax purposes
  •   A fair return to the decedent's estate for his/her business interests

 

Risk Management Analysis
  
Implementing a risk management program is fundamental to a company's ability to protect itself against the loss of key personnel through death or disabling injury or sickness. We offer expertise on selecting life and disability insurance coverage for such a program.

We conduct a financial security analysis to determine the appropriate protection for companies and their key executives, which encompasses evaluating risk management needs and balancing them with living or wealth accumulation objectives. We design risk management programs to be affordable, to fill corporate and individual needs, and to be flexible enough to allow for a change as needs change. Our analysis also involves a review of any existing coverage to ensure it is cost effective and includes up-to-date features. Through risk management analysis, we can deliver solutions in the form of policies valued and designed according to our clients' needs.


Business Succession 

A key goal of many of our business owner clients is to someday transfer their business interest to either family members or key employees. Property done, this type of planning can offer to both the current and successor owner a worry free, tax efficient method of business succession. Furthermore, the loss of a business owner through death or disability can catch even the most efficiently managed small companies off guard and, worse, unprepared to deal with the repercussions. Family businesses, in particular, are susceptible to erosion of capital due to estate taxes and legal fees; not to mention the possible hurdles of voting control being scattered among

heirs, with conflicting points of view impeding the business‘ operation and growth. We can provide a professional evaluation of your current situation that will help avoid future problems, as well as staying involved in business succession planning.

Executive Compensation 

Non-qualified deferred compensation programs. Typically employed to provide supplement retirement benefits to senior management, include selective incentive plans, wherein the company makes contributions to fund the plan on behalf of selective employees. Executive Compensation plans are a popular vehicle to attract and retain key individuals of your company.

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 This is not an offer of sale of securities. All investing involves risk, and particular investment outcomes are not guaranteed. This website is for informational purposes only and does not constitute an offer to sell, a solicitation to buy, or a recommendation for any security, or an offer to provide advisory or other services by Farmingbury Financial Services, LLC  in any jurisdiction in which such offer, solicitation, purchase or sale would be unlawful under the securities laws of such jurisdiction. The information contained on this website should not be construed as financial or investment advice on any subject matter. 


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