Our Services

 

We offer a variety of services that help our clients to reach their financial goals.

INSURANCE PLANNING – The design of an appropriate insurance plan is critical to the security of your overall financial plan. Exploring our clients’ needs for life, disability, and long-term care insurance is an essential part of the financial planning process. Without proper coverage, you may find yourself unable to accomplish your long-term goals. 

Tate Financial Group will help you develop an insurance plan to:

• Ensure your family will be financially independent in case of death, disability, or extended long-term care needs.
  
• Provide an analysis of the amount of insurance necessary for your particular situation.
  
• Explore and determine which type of insurance is most cost effective and suitable in meeting your needs.
  
•  
  Incorporate your insurance costs into your overall budget to be sure you are able to accomplish all of your financial goals.
  
  

RETIREMENT PLANNING* – No longer does corporate America or the government take care of our complete retirement; the responsibility now falls on the shoulders of each individual. Without proper planning, many Americans may never see retirement or enjoy it the way they’ve always dreamed.

We will work with you to:

• Help you plan to retire comfortably.
  
• Prepare a retirement plan that utilizes realistic and substantiated assumptions.
  
• Inform you as to how your current contribution level and investment allocation relates to what may be necessary to achieve your retirement goals.
  
• Design a course of action involving your current spending and saving habits that will help you build a financially confident retirement
  
• Assist you in rolling your company 401k and pension plan over to your own individual IRA rollover account.

 

ESTATE PLANNING* – You worked hard to build your assets. That is why ensuring they are distributed to your beneficiaries with ease, in a tax-efficient manner, should be the focus of your estate plan.

We can help you simplify the complex nature of estate planning. We can help you to:

• Ensure your assets transfer to your personal beneficiaries and not the government.
  
• Outline each of your assets and work to ensure they will transfer to your desired beneficiaries in the easiest and most cost-efficient way possible.
  
• Make sure all of your estate-planning documents are up-to-date, including your will, power of attorney, and living will. Without these documents, the state will make your decisions for you.
  
• Estimate the inheritance, estate, and income taxes associated with your death.
  
• Create a plan to reduce the taxes and administrative fees involved in passing your estate to your heirs.

 

EDUCATION PLANNING* – Saving for their children’s education now ranks as a leading financial objective for parents. College tuition costs are rising more than three times faster than the annual inflation rate- with no relief in sight. At Tate Financial Group, we help our clients understand the complexities involved with saving for college education.

Let us help you:

• Determine how much it may cost to ensure your children are able to pursue their dreams.
  
• Develop a plan utilizing the proper mix of 529 savings plans, Coverdell IRAS, and/or custodial accounts to help meet your desires for control, contribution levels, and flexibility.
  
• Understand the tax implications of the various vehicles available to you- not just immediate tax implications, but also future tax implications when the money is withdrawn.
  
• Prepare an investment strategy that is balanced between capital appreciation and preservation based on the time horizon of the child so that the funds are more conservative at college age.

 

 

CORPORATE BENEFIT PLANNING – Effective benefits management can help tilt the executive search and recruiting field decidedly in your favor. It strives to ensure that you retain top industry talent. Our goal is to help your employees fully understand the value of the benefits that they are receiving from you.

Tate Financial Group can help you decide which benefits to offer, including:

• Group Health Insurance
  
• Group Life, STD and LTD plans
  
• 401(k) and Qualified Retirement Programs*
  
• Profit Sharing and Defined Contribution Plans
• SERP Plans
  

Voluntary Benefit Programs

 

 

We also work closely with business owners and their advisors to help ensure that their insurance and investment plans* are in keeping with their personal and business objectives.

This includes:

INDIVIDUAL HEALTH INSURANCE – With the landscape of health insurance changing everyday, we offer individual health insurance planning to make sure your health is protected. We serve as a liaison between the carriers/ vendors and focus on providing health insurance that is in the best interest of our clients. We work with carriers on service and claims issues for our clients. Tate Financial Group only works with A-rated insurance companies, in order to insure security for our clients.

Let us help you decide which individual health plan is best for you.

*Securities and Advisory Services offered through FSC Securities Corporation

 

• Buy/Sell Agreements 
  
• Key Man Coverage
  
• Business Succession Planning
  
• Generational Planning
• Deferred Compensation Programs