Who Are We

A Strategic Partnership

We are an affiliate of John Hancock Financial Network, a nationally recognized financial services organization with over 100 offices across the United States. John Hancock Financial Network's reputation is built on a network of experienced professionals who possess a range of expertise across many disciplines. These professionals are entrepreneurs — dedicated to providing you with up-to-date industry information and to serving as valued business partners.

John Hancock Financial Network also has a strong reputation as a leader in providing innovative solutions to individuals, families, and businesses. This reputation was achieved through their commitment to excellence at every point of contact. It begins with a dedication to you — to listen, to advise, to build a relationship — and is an ongoing process.

John Hancock Financial Network provides us with comprehensive support as we address your diverse needs. They have wisdom and expertise in many disciplines, which helps us ensure that we meet your needs effectively. They also have a commitment to technology and service, which enables constant innovation in conducting business and in ensuring that a dedicated and knowledgeable service structure is available to continually support you.

Together with John Hancock Financial Network, we can achieve our mission — to provide quality financial advice, to build relationships of trust and to develop innovative solutions that help you achieve your dreams.

Wealth Management for Individuals

A successful wealth management strategy is one that provides for you and your family today and preserves enough for future generations. To achieve this success, a financial strategy must be comprehensive. That’s why we work with your attorney, trustee, accountant, and other professionals as necessary to create a customized strategy that considers all your wealth management needs.

Depending on your stage of life and types of concerns, your financial professional will help you find the appropriate solutions to issues like funding for education or retirement, tax planning,¹ protecting your assets and your family, and organizing your estate.

Wealth Accumulation

Portfolio Building —Through asset allocation,² we can help        develop an investment strategy that balances potential risk and return by diversifying your assets across several investment categories. We’ll take into account your risk tolerance, liquidity needs, as well as your short and long term goals.

College Funding — We can help you choose the right savings and investment vehicles, and the best plans available for financing an education.

Retirement Planning — If you are planning for a secure retirement, we can help you evaluate all of your existing retirement plans: pensions, 401(k)s, IRAs, and annuities. We can also assess the tax consequences of your IRA Rollover and assist in implementing your decision.¹

Wealth Protection

Survivorship Protection — We can help you develop a strategy using life insurance to provide the income your heirs will need to maintain their way of life.

Asset Protection — We can recommend ways to maximize and protect your hard-earned retirement savings and your independent lifestyle should you or your spouse need long term care.

Disability Income Insurance — Often overlooked is the need to protect one’s current income stream and future earnings in the event of a disability. We can help you protect your future earnings from such an event.

Long Term Care Insurance — We can help protect your assets from the rising costs of long term care that can affect your financial future and that of your loves ones.

Wealth Distribution

Trust and Estate Planning³ — With the right strategy, you can control your assets according to your wishes, as well as minimize taxes¹, reduce administrative costs, and ensure the effective management of your affairs should you become incapacitated. You may also be interested in developing charitable or family gifting strategies to pass along your wealth. Based on your individual situation, we can recommend techniques for approaching these challenges.

Financial Solutions for You and Your Business

Working closely with your legal and tax advisers, we can help you reach your business and estate planning³ goals with solutions that will maximize your personal benefits, provide the tools to recruit and retain employees, protect against the loss of key employees, and create ownership succession strategies. These solutions can help build your business and transfer wealth to future generations. Once your customized plan is in place, we continue to support you by conducting annual reviews to ensure that the plan is on track.

Retirement Planning — Qualified plans can help owners and long term employees build financial independence. Some examples are 401(k), pension, profit sharing, SIMPLE, and Defined Benefit plans.

Executive Compensation Strategies — We design supplemental pension, deferred compensation, executive bonus, and other retirement and incentive compensation programs. These programs motivate key people with financial incentives that enhance job security. 

Employee Benefits — We can help you create the employee benefit package that’s right for your business, including: disability, long term care insurance, employee voluntary plans, and cafeteria plans. 

Educational Services — We can conduct seminars for your employees on their retirement packages. And as a value-added service, we offer educational seminars on a variety of financial topics.

Key Person Insurance — The death of a key employee can create serious problems for a business. We can help you protect against this loss.

Business Succession Planning — Our succession strategies can be catered to your wealth transfer objectives. We can provide life insurance funding for a Buy-Sell Agreement to provide for the orderly disposition of a closely held business if an owner dies, becomes disabled, or sells.

For family business owners, we identify alternative strategies to equalize estate assets among all children — whether they’re active or inactive in the family business.

A Relationship of Trust

Through a four-step process, we consider your needs and goals as well as a variety of financial information to create a customized wealth management strategy. This process is ongoing, in that we’re always there to guide you and make necessary changes to your strategy as years go by.

Step 1:Consultation
First, we’ll simply get to know you, your financial situation, and your needs. With our solid experience, knowledge, and dedication, you can be assured that we will understand your personal and business goals, and translate them into customized solutions.

Step 2: Analysis
Our professionals will take your input and conduct a thorough analysis of your current financial situation. In order to offer you truly comprehensive service, we leverage professionals who specialize in the areas of law, accounting, business valuation, and organizational development. This allows us to find answers that are both effective and meaningful to you.

Step 3: Solutions
We understand that each person and each business is unique,  and therefore faces distinct challenges. Your customized financial strategy will address the challenges that are most important to the success of your financial future.

Step 4: Monitor & Review
Our relationship doesn’t end with the implementation of your financial strategy.  We will meet with you on a regular basis to monitor your evolving needs and goals in light of changes in the investment markets, tax laws, etc., and will recommend changes as appropriate. We pride ourselves on this commitment, and look forward to strengthening our relationship with you over time.

In the Company of Excellence

What makes us different? Maybe it’s our personalized approach to helping you build, maintain, and protect your assets. Our full range of outstanding products and services. Or our relationships with some of the most respected financial service companies in the marketplace. The truth is, it’s all of these — backed by our commitment to always maintain our relationship with you.

For more on how we can help you achieve your financial goals, please contact us today.

^1. The financial analysis and recommendations are not intended to replace the need for independent tax, accounting, or legal review. Individuals are advised to seek the counsel of such licensed professionals.

^2. Diversification helps manage the risk that comes with investing, but does not guarantee against loss.

^3. Qualified representative enrolled in the Signator Investors, Inc. Corporate Registered Investment Adviser program may offer advisory products and services.