Our Services:
Retirement |
Insurance |
Business Solutions |
College Planning |
Tax management - We provide a complete analysis of the potential estate and tax liability. Solutions to minimize this tax and conserve as much of your estate for your heirs and provide significant gifts to charitable organizations are provided.
Investment Management - We guide you in creating a diversified investment portfolio based on your personal asset allocation model, which measures your financial objectives and risk tolerance. Proper asset allocation is shown to provide over 90% of a portfolio’s performance. Monitoring the progress, providing you with regular reports and review meetings, ensures that you are aligned with your objectives.
Retirement Strategies -Providing solutions, implementation and service of cost effective retirement plans in order to attract, retain, reward and motivate productive employees.
Estate Conservation - With a team of specialists on your side to help you develop a comprehensive estate conservation plan.
Insurance and Annuity Products - We will determine your risk exposure and audit your existing insurance portfolio to provide expertise in determining the amount of coverage and type of insurance product. Competitiveness of the product and financial strength of the provider will be a priority.
Term Life Insurance - Term life insurance is the simplest type of life insurance protection you can buy, and generally has the lowest out-of-pocket cost to obtain death benefit protection for a short-term. Provides guaranteed death benefit protection with a level premium for 10-, 15- or 20-years. Can be converted to a permanent policy, even if your health deteriorates. Does not offer a savings component, cash accumulation or loan features.
Whole Life Insurance - Whole life insurance provides affordable permanent protection for your family and has a savings component that builds cash value. Provides a guaranteed death benefit to protect your family. Offers a guaranteed premium structure, which means your premiums will never increase, but may be reduced or eliminated. Builds cash value that can only increase over time. Offers dividends. When dividends are declared, they may be credited to your policy, further increasing the cash value and death benefit.
Indexed Universal Life Insurance - Protect loved ones with a Death Benefit (between a level or increasing amount) that your beneficiaries will receive income-tax free Accumulate cash value through interest-crediting by allocating premium among accounts linked to index performance Stay Flexible by using the cash value in your policy to take loans or withdrawals
Universal Life Insurance - A universal life (UL) insurance policy is more flexible than other permanent policies, so you can customize it to fit your lifestyle.
Variable Universal Life Insurance - Variable universal life insurance provides death benefit protection plus offers the opportunity to build cash value through a broad array of portfolios.
Long Term Care Insurance Policy - Long-term care insurance can cover home care, assisted living, adult daycare, respite care, hospice care, nursing home, Alzheimer's facilities, and home modification to accommodate disabilities.
Disability Insurance Coverage for individuals - Individual policies are available for people in all types of occupations. Whether you're a doctor, cabinetmaker, executive, teacher or technician, your Sunshine Financial Representative can assist you with a disability income policy to meet your needs and budget.
Disability Insurance Coverage for Businesses - Business Overhead Expense (BOE) reimburses business owners for the expenses necessary to keep their company running upon the disability of any of the owners. Business Buy-Sell provides the funds to effect an orderly transfer of ownership in the event of a business co-owner's disability.
Investment Management - We guide you in creating a diversified investment portfolio based on your personal asset allocation model, which measures your financial objectives and risk tolerance. Proper asset allocation is shown to provide over 90% of a portfolio’s performance. Monitoring the progress, providing you with regular reports and review meetings, ensures that you are aligned with your objectives.
Retirement Strategies -Providing solutions, implementation and service of cost effective retirement plans in order to attract, retain, reward and motivate productive employees.
Estate Conservation - With a team of specialists on your side to help you develop a comprehensive estate conservation plan.
Insurance and Annuity Products - We will determine your risk exposure and audit your existing insurance portfolio to provide expertise in determining the amount of coverage and type of insurance product. Competitiveness of the product and financial strength of the provider will be a priority.
Term Life Insurance - Term life insurance is the simplest type of life insurance protection you can buy, and generally has the lowest out-of-pocket cost to obtain death benefit protection for a short-term. Provides guaranteed death benefit protection with a level premium for 10-, 15- or 20-years. Can be converted to a permanent policy, even if your health deteriorates. Does not offer a savings component, cash accumulation or loan features.
Whole Life Insurance - Whole life insurance provides affordable permanent protection for your family and has a savings component that builds cash value. Provides a guaranteed death benefit to protect your family. Offers a guaranteed premium structure, which means your premiums will never increase, but may be reduced or eliminated. Builds cash value that can only increase over time. Offers dividends. When dividends are declared, they may be credited to your policy, further increasing the cash value and death benefit.
Indexed Universal Life Insurance - Protect loved ones with a Death Benefit (between a level or increasing amount) that your beneficiaries will receive income-tax free Accumulate cash value through interest-crediting by allocating premium among accounts linked to index performance Stay Flexible by using the cash value in your policy to take loans or withdrawals
Universal Life Insurance - A universal life (UL) insurance policy is more flexible than other permanent policies, so you can customize it to fit your lifestyle.
Variable Universal Life Insurance - Variable universal life insurance provides death benefit protection plus offers the opportunity to build cash value through a broad array of portfolios.
Long Term Care Insurance Policy - Long-term care insurance can cover home care, assisted living, adult daycare, respite care, hospice care, nursing home, Alzheimer's facilities, and home modification to accommodate disabilities.
Disability Insurance Coverage for individuals - Individual policies are available for people in all types of occupations. Whether you're a doctor, cabinetmaker, executive, teacher or technician, your Sunshine Financial Representative can assist you with a disability income policy to meet your needs and budget.
Disability Insurance Coverage for Businesses - Business Overhead Expense (BOE) reimburses business owners for the expenses necessary to keep their company running upon the disability of any of the owners. Business Buy-Sell provides the funds to effect an orderly transfer of ownership in the event of a business co-owner's disability.
