Some of Our  Services

H & S is dedicated to securing your future through various financial services
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Executive and Employee Benefits

Reviewing benefit plans on a regular basis can save your organization money

Business Consultation Planning

Current owners need to prepare for the succession of their operation in the event of retirement, death or disability

Personal Planning Financial Resource Analysis

You and your family can receive a comprehensive or targeted personalized financial resource analysis

Estate Analysis
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Poor planning and improper management can greatly decrease the value of your estate; stay on top of it with a programmed approach

Executive and Employee Benefits

Executive and employee benefits represent a substantial percentage of the total compensation provided by a company. We can help review these plans on a regular basis in order to reduce costs.
Some of the executive benefits available are: 
  • Non-Qualified Deferred Compensation Programs
  • Split Dollar Insurance Programs
  • Section "162" Bonus Plan
  • Group Life Carve Out
  • Supplemental Disability Insurance
Some of the benefits we address are:
  • Group and Life Health Insurance
  • Salary Continuation Programs
  • Qualified Retirement Plans
    • 401(k) Programs, Profit Sharing Plans, Pension Plans

Business Consultation Planning

Owners spend years of hard work and perseverance to build a successful business. The planning that goes into the formula for success often times fails to provide contingency options to maintain the business long into the future.

The current owners need to prepare for the succession of their operation in the event of retirement, death or disability.
Some of the techniques we use to assist business-owners are: 
  • Buy-Sell Agreement Funding
    • Cross Purchase, Stock Redemption
  • Key Man Insurance
  • Business Overhead Expense Plans

Personal Planning and Financial Resource Analysis

Following an initial meeting, you and your family will receive a comprehensive or targeted personalized financial resource analysis.
We will:
  • Review current insurance planning to achieve significant capital in the event of premature death or disability
  • ​Plan to achieve significant income during your retirement years
  • Plan your children's education funding
  • Help you maximize your current rate of return in your investments
  • Help preserve the capital in your estate at your death

Estate Analysis

Poor planning and improper management can greatly decrease the value of your estate. Without a programmed approach to estate conservation and distribution, heirs are often left confused and inconvenienced.
Developing a sound plan involves:
  • Conducting a thorough inventory of your assets
  • Gathering data to determine your estate objectives
  • Developing a "Hypothetical Probate" to illustrate the tax Ramifications at your death