At The Planning Group, we approach planning differently than other financial institutions. We view ourselves as problem solvers. We are not looking to fit a client to a product but rather we look to solve our clients life challenges.

In our 44-year history, we have had the pleasure of helping many families with their estate planning, long-term care coverage, retirement planning, and special needs planning. We also have experience in dealing with second marriages as well as the problems that may arise when a second spouse passes. We charge no fees for our services as our income is derived from the insurance companies that we deal with regularly.

Additionally, we have achieved success in unusual areas. For example, we were able to do estate planning for two families using the grandparents lives to solve the estate tax and family conflict issues. Even when one of them was uninsurable.

We help clients plan for their special needs children and grandchildren so that the assets are not liquidated by institutions, creditors or divorce.

In particular, it brings to mind a case where I asked the client this question: “What have you done to protect your assets from the divorce, creditors, and bankruptcy of your children and grandchildren?” With 3 of 5 marriages ending in divorce today, this became a salient feature of their family planning that we completed for our clients and their family.

Another pertinent issue for a different client was when I asked this question: “who is going to wash you, feed you, and wipe you if you become disabled in later life?" The burden on your family can be enormous. Do you have long-term care insurance? This is very personal to me as my beloved wife of 50 years is severely stricken with Alzheimer’s. If not for my long-term care insurance, my out of pocket costs for 2016 would have been more than $70,000.

Give us a call and let us arrange a free consultation so that we may help you solve your life and family problems.