We specialize in a robust range of service offerings available to help meet your overall financial needs.
Insurance Services
Insurance Services
We specialize in a robust range of service offerings available to help meet your overall financial needs.
Without a properly thought-out risk management program the consequences of an unexpected accident or health challenge can derail even the most thought-out financial strategy.
Without a properly thought-out risk management program the consequences of an unexpected accident or health challenge can derail even the most thought-out financial strategy.
Insurance Services
Individual Life Insurance
If you don’t know a lot about life insurance, you may think its sole purpose is to protect your loved ones by providing cash if you die prematurely. What may surprise you is that the death benefit is only one of many benefits of owning a permanent, purposefully funded life insurance policy. By taking advantage of the versatile and flexible features of this financial tool, you can:
- Provide loved ones with a tax-free death benefit
- Generate tax-deferred cash accumulation
- Create access to cash value
- Protect yourself from creditors
- Create a cash source at a time of terminal illness
Business Life Insurance
Have you ever given serious thought to what might happen to your business if you, your partner(s) or a key employee die unexpectedly? The loss of any one of you can have long-lasting damaging effects on the business. These may include:
- Lost accounts, contracts or customers
- Reduced revenue
- Costs to hire and train a replacement
- Liquidation or close of business (if owner dies)
Business owners can help minimize these negative consequences if they have adequate life insurance in place for themselves and their key people. TFG will assist in developing and implementing a strategy that helps protect the financial objectives of the owner, the key executives, and the business interests.
Disability Income Protection
Disability insurance provides you with a percentage of your income if an illness or injury prevents you from working and earning a living. Protecting your income can be thought of as insurance for your paycheck. Many Americans do not think about disability income protection until it’s too late. Of those who do think about it, many just do not believe it can happen to them.
- Up to 1 in 4 (26%) of adults in the United States are faced with some type of disability.1
- 1 in 3 working Americans do not have adequate disability coverage.2
- A 40 year old earning $8,500 per month until age 65 will earn $2,550,000 ($8,500 x 12 x 25). This does not even take into account potential salary increases.
Instead of depleting personal savings to pay bills of daily living, monthly disability insurance payments can allow for time to concentrate on recovery. Talk to a TFG professional today about a disability protection plan to help secure the life that you have worked so hard to achieve.
Long Term Care
Long-term care is the greatest health expense older Americans face. Did you know Medicare only provides short-term recovery benefits for skilled care in a nursing home following hospitalization? Medicare does not pay for 8-hour shifts at home. In fact, most insurance and supplements provide only short-term recovery benefits.
The Medicaid welfare program offers some relief, but you must spend most of your assets to qualify. Without proper planning, long-term care can easily exhaust insurance and savings plans, and deplete the family’s assets. Long-term care planning will be an enormous value to you and your family should the need arise. Policies are available to people ages 18-84, but because policies are aggregated and health underwritten, getting coverage at an early age makes good sense. You may not be able to qualify once a serious health problem is diagnosed, so don’t wait until a health issue appears.
Additionally, business owners can deduct the cost of long-term care insurance protection for themselves, for their spouse and their tax dependents on a favorable basis. Owners may be able to deduct 100%. It pays to find out how! Whether you need full coverage or a supplement to employer provided group long-term care coverage, TFG can help build a plan for you.
Property & Casualty
Just as there is a careful process involved in generating, growing and maintaining impressive levels of personal assets, there is also diligent work involved in making sure these assets are protected for generations to come. Property & Casualty Insurance is a critical wealth management tool, but it can easily be overlooked. While it is safe to assume you wouldn’t consider a one-size fits all investment strategy, why settle for anything less than coverage that is personalized to protect your exact financial situation, unique assets and lifestyle? After all, your legacy belongs only to you.
With long time relationships and direct access to the industry’s premier insurance companies, Private Risk Insurance Agency, a division of Tax & Financial Group, provides expert guidance and insurance solutions for our clients in the following areas:
- Multi-Million Dollar Homes & Estates
- Multiple Homes (Secondary and Rental Properties)
- Course of Construction
- Earthquake
- Flood
- Automobile (including Exotic and Collector)
- Private Collections (Jewelry, Fine Art, Wine, etc.)
- Yacht & Watercraft
- Personal Excess Liability (up to $100 million)
- Kidnap & Ransom Insurance
- Directors & Officers Liability Insurance (Domestic Staff)
- Employment Practices Liability Insurance (Domestic Staff)
Insurance Services
Individual Life Insurance
If you don’t know a lot about life insurance, you may think its sole purpose is to protect your loved ones by providing cash if you die prematurely. What may surprise you is that the death benefit is only one of many benefits of owning a permanent, purposefully funded life insurance policy. By taking advantage of the versatile and flexible features of this financial tool, you can:
- Provide loved ones with a tax-free death benefit
- Generate tax-deferred cash accumulation
- Create access to cash value
- Protect yourself from creditors
- Create a cash source at a time of terminal illness
Business Life Insurance
Have you ever given serious thought to what might happen to your business if you, your partner(s) or a key employee die unexpectedly? The loss of any one of you can have long-lasting damaging effects on the business. These may include:
- Lost accounts, contracts or customers
- Reduced revenue
- Costs to hire and train a replacement
- Liquidation or close of business (if owner dies)
Business owners can help minimize these negative consequences if they have adequate life insurance in place for themselves and their key people. TFG will assist in developing and implementing a strategy that helps protect the financial objectives of the owner, the key executives, and the business interests.
Disability Income Protection
Disability insurance provides you with a percentage of your income if an illness or injury prevents you from working and earning a living. Protecting your income can be thought of as insurance for your paycheck. Many Americans do not think about disability income protection until it’s too late. Of those who do think about it, many just do not believe it can happen to them.
- Up to 1 in 4 (26%) of adults in the United States are faced with some type of disability.1
- 1 in 3 working Americans do not have adequate disability coverage.2
- A 40 year old earning $8,500 per month until age 65 will earn $2,550,000 ($8,500 x 12 x 25). This does not even take into account potential salary increases.
Instead of depleting personal savings to pay bills of daily living, monthly disability insurance payments can allow for time to concentrate on recovery. Talk to a TFG professional today about a disability protection plan to help secure the life that you have worked so hard to achieve.
Long Term Care
Long-term care is the greatest health expense older Americans face. Did you know Medicare only provides short-term recovery benefits for skilled care in a nursing home following hospitalization? Medicare does not pay for 8-hour shifts at home. In fact, most insurance and supplements provide only short-term recovery benefits.
The Medicaid welfare program offers some relief, but you must spend most of your assets to qualify. Without proper planning, long-term care can easily exhaust insurance and savings plans, and deplete the family’s assets. Long-term care planning will be an enormous value to you and your family should the need arise. Policies are available to people ages 18-84, but because policies are aggregated and health underwritten, getting coverage at an early age makes good sense. You may not be able to qualify once a serious health problem is diagnosed, so don’t wait until a health issue appears.
Additionally, business owners can deduct the cost of long-term care insurance protection for themselves, for their spouse and their tax dependents on a favorable basis. Owners may be able to deduct 100%. It pays to find out how! Whether you need full coverage or a supplement to employer provided group long-term care coverage, TFG can help build a plan for you.
Property & Casualty
Just as there is a careful process involved in generating, growing and maintaining impressive levels of personal assets, there is also diligent work involved in making sure these assets are protected for generations to come. Property & Casualty Insurance is a critical wealth management tool, but it can easily be overlooked. While it is safe to assume you wouldn’t consider a one-size fits all investment strategy, why settle for anything less than coverage that is personalized to protect your exact financial situation, unique assets and lifestyle? After all, your legacy belongs only to you.
With long time relationships and direct access to the industry’s premier insurance companies, Private Risk Insurance Agency, a division of Tax & Financial Group, provides expert guidance and insurance solutions for our clients in the following areas:
- Multi-Million Dollar Homes & Estates
- Multiple Homes (Secondary and Rental Properties)
- Course of Construction
- Earthquake
- Flood
- Automobile (including Exotic and Collector)
- Private Collections (Jewelry, Fine Art, Wine, etc.)
- Yacht & Watercraft
- Personal Excess Liability (up to $100 million)
- Kidnap & Ransom Insurance
- Directors & Officers Liability Insurance (Domestic Staff)
- Employment Practices Liability Insurance (Domestic Staff)
Protecting Your Future
We have extensive experience in working with our clients to help them prepare for various types of losses. TFG will help you to develop and implement a risk management strategy that helps protect the financial objectives for yourself and loved ones. For business owners, insurance can also play a key role in protecting financial obligations.
Personalizing Your Policies
Changes to your personal or financial situation can influence the amount of insurance that you need, the length of time that your coverage is necessary, and the cost. Changes in the industry can also have an effect on the options that are available and the features or benefits that can be incorporated into policies. TFG can perform a detailed policy evaluation to ensure you are getting the maximum benefit out of your current coverage.
Browse More Services
Financial Planning
Our financial planning process uses a comprehensive approach to fully understand our client’s entire financial situation. We design and develop strategies that help our clients increase spendable income, protect assets against unforeseen risks, minimize the impact of taxes, and increase net worth.
Business Planning
Business owners experience a wide range of opportunities, challenges, and rewards. Through our business planning services, we provide experience and knowledge to provide our clients with the confidence and clarity to take the steps necessary to reach their goals.
Investment Management
We take a personalized and proactive approach to investment management. By taking the time to understand your unique financial situation, risk tolerance, and investment objectives, we develop customized investment strategies that are designed to meet your specific needs.
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Services
Make a Life
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Our advisor’s commitment to developing your financial
strategy is at the forefront of everything we do.
Make a Life
With Us.
Our advisor’s commitment to developing
your financial strategy is at the forefront of everything we do.
© 2023 Tax & Financial Group All Rights Reserved
1-CDC
2-Council for Disability Awareness
Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods. Please keep in mind that the primary reason to purchase a life insurance product is the death benefit.
Securities offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC, CA Insurance Lic# 0644976), member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Tax & Financial Group is independent of Cetera. 4001 MacArthur Blvd., 3rd Floor, Newport Beach, CA 92660. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.
This site is published for residents of the United States only. Registered Representatives of Cetera Advisor Networks LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every representative listed. For additional information please contact the representative(s) listed on the site, or visit Cetera Advisor Networks LLC site at www.ceteraadvisornetworks.com. Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services. Please note: The charitable entities and/or fundraising opportunities described herein are not endorsed by, or affiliated with Cetera Advisor Networks or its affiliates. Our philanthropic interests are personal to us and are not reviewed, sponsored, or approved by Cetera.
1-CDC
2-Council for Disability Awareness
Life insurance products contain fees, such as mortality and expense charges (which may increase over time), and may contain restrictions, such as surrender periods. Please keep in mind that the primary reason to purchase a life insurance product is the death benefit.
Securities offered through Cetera Advisor Networks LLC (doing insurance business in CA as CFGAN Insurance Agency LLC, CA Insurance Lic# 0644976), member FINRA/SIPC. Advisory Services offered through Cetera Investment Advisers LLC, a registered investment adviser. Tax & Financial Group is independent of Cetera. 4001 MacArthur Blvd., 3rd Floor, Newport Beach, CA 92660. For a comprehensive review of your personal situation, always consult with a tax or legal advisor. Neither Cetera Advisor Networks LLC nor any of its representatives may give legal or tax advice.
This site is published for residents of the United States only. Registered Representatives of Cetera Advisor Networks LLC may only conduct business with residents of the states and/or jurisdictions in which they are properly registered. Not all of the products and services referenced on this site may be available in every state and through every representative listed. For additional information please contact the representative(s) listed on the site, or visit Cetera Advisor Networks LLC site at www.ceteraadvisornetworks.com. Individuals affiliated with this broker/dealer firm are either Registered Representatives who offer only brokerage services and receive transaction-based compensation (commissions), Investment Adviser Representatives who offer only investment advisory services and receive fees based on assets, or both Registered Representatives and Investment Adviser Representatives, who can offer both types of services. Please note: The charitable entities and/or fundraising opportunities described herein are not endorsed by, or affiliated with Cetera Advisor Networks or its affiliates. Our philanthropic interests are personal to us and are not reviewed, sponsored, or approved by Cetera.