Services

We serve individuals and businesses in many areas of insurance and financial strategies, including:

  • Retirement planning 
    Making the most of your employer-sponsored retirement plans and IRAs. Determining how much you may need to retire comfortably. Handling assets before and during retirement. 
  • Tax strategies1 
    Looking for ways to help reduce your current and future tax burden. Referring you to qualified tax specialists. 
  • Estate planning1 
    Reviewing your wills and trusts. Helping preserve your estate for your intended heirs. Helping with beneficiary designations. Helping reduce exposure to estate taxes and probate costs. Coordinating with your tax and legal advisors. 
  • Risk management 
    Reviewing existing insurance policies. Recommending policy changes when appropriate. Finding the best possible policy for your situation. 
  • Education funding 
    Recommending investment2 and accumulation strategies to help you pay for your children's education. 
  • Investment Strategies2 
    Helping you deterimine an asset allocation3 strategy. Helping you understand your risk tolerance. Recommending the best possible investment vehicles to help you reach and exceed your goals. 
  • Employee and executive benefits 
    Helping your business attract and retain qualified employees through benefit packages.


    1Neither New York Life Insurance Company, nor its agents or affiliates, or Semper Financial Group nor its employees or agents provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.
    2Securities offered through NYLIFE Securities LLC, member FINRA/SIPC, A Licensed Insurance Agency.
    3Asset allocation and diversification do not guarantee a profit or protect against investment loss, but are intended to help manage your goals and risk tolerance.  They are methods used to help manage investment risk.

 

Calculators