About Us
Preparing for the next step in life isn’t always easy.
My combination of experience, professionalism and access to a wide variety of products and services can help you meet your financial goals, estate strategies and insurance needs.
Whether your goals include preparing for milestone life events like retirement or college, protecting your family's future or you’re simply looking for life, disability income or long-term care insurance protection, I promise a new level of attention, insight and capability.
MassMutual is a leading mutual life insurance company that is run for the benefit of its members and participating policyholders. MassMutual has a long history of financial strength and strong performance, and although dividends are not guaranteed, the company has paid dividends to eligible participating policyholders consistently since the 1860s.
With whole life insurance as its foundation, MassMutual provides products to help meet the financial needs of clients, such as life insurance, disability income insurance, long term care insurance, retirement/401(k) plan services, and annuities. In addition, the company’s strong and growing network of financial professionals helps clients make good financial decisions for the long-term.their own terms.
How We Got Started
It started with my mom and dad. My dad has a disc degeneration disease that has crippled him over the years. He has been unemployed for about 12 years now. He had no protection in place. As a result, my mom went back to school and received her RN degree (she was previously a LVN). She is 60 years old and having to work like a dog to be able to pay the bills. They have a mortgage and will continue to have a mortgage in retirement. My mom is tired, not physically, but emotionally having carried this burden for the past 12 years but also for the next potential 30 years.
I am on a mission to help educate people on how to better use the tools they have so they can envision a life that is on their terms and not on life's terms.
The products and services we offer
Recommendations Received (7)
"Joe is an amazing Financial Planner, who really knows how to plan for his client's future. By..."
Read more
"Joe is an amazing Financial Planner, who really knows how to plan for his client's future. By utilizing more modern approaches, as well as a conservative one, he is able to ensure his clients are set up for the best success. I have recommended my personal clients to him for the last 3+ years and will continue to."
"Helps find how people can best use their money as well as set them up in the best way for their..."
Read more
"Helps find how people can best use their money as well as set them up in the best way for their future "
Products & Services
You know
what it takes to build a successful business. It takes vision,
preparedness, skills and desire – not to mention a focused dedication t...
We all have goals we want to meet during our lifetime. The education of our children, a comfortable and financially secure retirement, and perhaps ...
When it comes to Social Security retirement benefits, your decision shouldn’t be based on one-size-fits-all assumptions. Your age, marital status, ...
Recommendations Given (19)
"Stefan from Ink It Over DTC is such a genuine guy and takes time to know his customers and drive..."
Read more
"Stefan from Ink It Over DTC is such a genuine guy and takes time to know his customers and drive them in the right direction. He is honest and genuine. I recommend using him for your printer needs ! "
"I have been working with Alex for some time now. Alex is just an awesome guy. He cares about..."
Read more
"I have been working with Alex for some time now. Alex is just an awesome guy. He cares about his clients. He takes the time to get to know them. Being a broker, he is not captive and can offer the best rates out on the market, instead of the best that the company has. I highly highly recommend Alex for your P & C Insurance needs. "
Recent Activity
absolutely.
(more)
absolutely.
Customers! The products and services I sell or incidental to what I do!
(more)
Customers! The products and services I sell or incidental to what I do!
1 Reply
I help business focus on another aspect of health and wellness. We help make sure they are not financially stressed out at work. In other words, we are working with employers to help employees stay focused at work and not be stressed out financially. We help promote financial health, which in...
(more)
I help business focus on another aspect of health and wellness. We help make sure they are not financially stressed out at work. In other words, we are working with employers to help employees stay focused at work and not be stressed out financially. We help promote financial health, which in turn will help them stay fit from the health and wellness program their employers are offering. The problem employers have is that they do not have an integrated approach to offering benefits to the employees. The health person does not talk to the group benefits person, which in turn never talk to the 401k providers. We are trying to approach things a bit differently from the antiquated model that employers are offering employees benefits.
I think it depends on the what industry you are trying to address. I work with construction owners and they do not offer much in the way of benefits because the employees do not see the value to them, so they are incentived by more cash and paid weekly. On the other hands, I work with other...
(more)
I think it depends on the what industry you are trying to address. I work with construction owners and they do not offer much in the way of benefits because the employees do not see the value to them, so they are incentived by more cash and paid weekly. On the other hands, I work with other business owners and they see the value in relieving financial stress off their employees mind and they provides employee benefits (including financial education) that allow the person to be able to retire on time. They will give them tools that flow with the their life situation so they can pivot when necessary when life happens or changes such has having a baby.
I see you are in the marketing industry and I was chatting with an owner and he was having a hard time with the same thing. We spoke about possible giving them more incentive for bigger goals. He had a small salary for the person but the better the production for that month the more commission they would make.
With all of that, it is hard to say what the secret sauce is for your company but it will vary on what you want to accomplish with the employees and what they may find valuable.
1 Reply
I have done some exit planning with business clients. I think it is vital for business owners to think about how they are going to exit their business. This is especially important as there is a 100% certainty they will exit the business. A good working definition of exit planning is "the...
(more)
I have done some exit planning with business clients. I think it is vital for business owners to think about how they are going to exit their business. This is especially important as there is a 100% certainty they will exit the business. A good working definition of exit planning is "the process of developing a written plan for the day a business owner decides or is forced to step down from their leadership or ownership role in the business due to a voluntary or involuntary departure." This process is vitally important. According to a study done by MassMutual in 2018 only 10% Business Owners say they do not plan on exiting the business and 66% say they do not know all of the available exit options.
The picture above represents the core business planning pillars from the Study. Rather than approach planning from a solutions first perspective, instead think about how the pillars resonate with what’s most important to you. Consider these concerns in terms of helping protect your family, your business, your vision and your future. Then, working with your advisors, address the various planning needs that fall under each area.
I think one of the bigger concerns that a business owners is faced with in addresses having an exit strategy is the great unknown, will my business sell ?
Some business owners assume that when they are ready to exit they will simply put a for sale sign on the business and immediately have offers coming in from all different directions. But that’s just not reality. Finding a ready, willing and able buyer—that’s one who is ready to accept your price and terms within the time frame you choose—is not easy. In fact, 80% of business that go on the market never sell, and an even smaller percentage sell for what the business owner was hoping for.
Remember, a business that’s not ready to sell is not ready to transition. Focus on being a value accelerator—that’s a business owner who is focused on the true drivers of value to the business. Focusing on these drivers will help ensure you can exit your business on your terms when the time comes
This is just a snap shot of the things a business owner is faced with in determining when to buy or sell. I highly encourage all business owners to get with your professionals - CPA's, attorney(estate and business), and your financial advisor, and make sure they work together to come up with a plan to help you exit your business. The last thing you want is to leave your destiny is someone else's hands. I would highly encourage you take control of your financial future and not leave it to life's terms.
I want my CPA/Tax Advisor to look at things holistically. In looking at taxes I want them not only think about how to pay as little taxes as necessary but also look at taxes and how they will affect a person purchasing a home. Do not write off all the taxes possible so you show you only make...
(more)
I want my CPA/Tax Advisor to look at things holistically. In looking at taxes I want them not only think about how to pay as little taxes as necessary but also look at taxes and how they will affect a person purchasing a home. Do not write off all the taxes possible so you show you only make 10K when in reality the person made 80K. They shoot themselves in the foot to be able to purchase / refi in the future. Additionally, this can effect a person's social security income as well. Not paying FICA taxes can hurt you as you have one less income stream in retirement. This is just a few items I have run into as a financial planning specialist.
1 Reply
