For over 25 years, the Laffie Financial Group’s passion has been providing personal attention and expert guidance to help individuals and families make the right choice for their life insurance needs. The professionals at LFG develop innovative solutions that match your unique situation and financial goals such as:

Protecting Your Family

Life can change at any given moment.  Without proper protection planning, even the best laid financial plans can be derailed due to an illness, accident or death of a loved one.  Whether it is the unexpected death of a spouse, the inability to earn an income due to an accident or illness, or the high costs of hiring an aid for additional care for a parent, a well-designed protection program can protect your family from a financial burden that could devastate a family’s assets.  Planning ahead will not only reduce premiums, but will provide the comfort and confidence for years of financial security.

Estate Preservation

A comprehensive estate plan is the key to effective asset preservation for today and well into the future. Typical estate planning issues include estate tax and income tax minimization, wealth transfer planning, long-term care and nursing home planning, special needs and disability planning, and probate avoidance.  By carefully tailoring an estate plan that addresses your unique needs, you can protect your assets, provide for your family and establish a legacy.

Tax Reduction Strategies

Whether you’re concerned about current income taxes or federal and state estate taxes upon your death, there are strategies you can implement today to help reduce the tax burden.  This could be through charitable gifting, making lifetime gifts, deferring taxes through life insurance or annuities, or with generation skipping transfer tax planning.

Life Insurance

Life insurance is an important part of a family’s estate plan and protects the people you care about most. In the unfortunate circumstance that you’re not there to provide for your family, life insurance can. However, life insurance can be more than just protection. It can be the foundation of a stable financial plan.

The insurance marketplace is constantly changing in regards to the products offered, the pricing of products, as well as underwriting criteria.  Each insurance carrier classifies risk differently in terms of medical issues, financials, and lifestyle.  As an independent firm, the LFG studies these trends in order to find the most suitable carrier and product for each client’s coverage needs.

Start building your insurance program today.

Disability Income Insurance

Whether it’s supporting your daily living expenses or funding your retirement savings, your ability to earn an income is critical. Disability income insurance is often the most overlooked insurance product, yet statistically the most important coverage in protecting your family.  Individual disability income insurance will help replace a portion of your income and provide financial protection if you become disabled and unable to work for an extended period of time.

The experienced LFG team will create a well-designed and customized income protection plan for you, and help you maintain your standard of living.

Long-Term Care Planning

As health care costs continue to rise, a long-term illness can have a devastating effect on your savings. Long-Term Care Planning delivers financial resources that help cover the cost of care for daily activities of living that you might need in the event of an illness or accident.

The experienced LFG team can help determine if a long-term care strategy makes sense for your financial goals, as well as help build and design a policy that works for your budget.

Variable & Fixed Income Annuities

Annuities are not for everyone, however they can play a vital role to defer taxation of nonqualified assets as well as provide a lifetime of guaranteed income.  In today’s world of modern medicine and rapid technological advances in healthcare, people are living longer.  The need for retirement income can last well beyond the traditional planning of 20 years.  Annuities are insurance products that can provide guaranteed income stream for life, as well as a protection of principal, depending upon the product and carrier.

Annuity products are very complex and confusing products for the everyday consumer.  The experienced LFG team will help you navigate the pros and cons of each annuity contract to ensure an annuity makes sense for your financial goals and objectives.