Your Competitive Edge

Accumulate

Wealth Creation and Accumulation Strategies for Retirement.


The greatest retirement risk of the 21st century may be outliving one's retirement income. With life expectancies the highest they have ever been across both gender and race, an unprecedented number of individuals face this problem. Even at an estimated inflation rate of 3 percent, the costs of living will double every 24 years. A secure future requires expert planning. Therefore, we provide you with the support you need to help guide your clients towards securing their income. Without adequate planning, the future can become a financial nightmare. In order to protect your clients from such a scenario, PFG provides a full range of retirement planning products and solutions.

 

For High Net Worth clients and their families,  we help you tailor comprehensive asset management and wealth creation plans designed to reduce current income taxes and maximize the accumulation of additional assets.

  • Individual Retirement Plans
  • Retirement Distribution Planning
  • Annuities
  • Estate Planning
  • Fee for Service Financial Planning
  • Family Office Support

 

For business owner and executive clients, we help you provide your clients with nonqualified retirement plans to address the restrictions on qualified plans and restore benefits to acceptable levels.

  • Supplemental Executive Retirement Plans
  • Non-Qualified Deferral Arrangements
  • Corporate Owned Life Insurance
  • IRA Distribution Planning
  • 162 Executive Bonus Plans
  • ESOP Planning

 

For business owner clients and their employees, we help you design tax-qualified retirement plans with tax deductible plan contributions and earnings that accumulate tax-deferred.

Defined Contribution Plans
  • 401(k) Plans
  • Profit Sharing Plans
  • 457 Plans
Defined Benefit Plans
  • TPA Support
  • Access to Pension Actuaries
  • Pension Plans

 

Most importantly, as part of our commitment to service, we perform due diligence and ongoing reviews of every investment vehicle you offer your clients including:

  • Mutual Funds
  • Annuities
  • Life Insurance Retirement Accounts
  • Individual Securities
  • Asset-Based Advisory Accounts
  • College Savings Plans
  • Limited Partnerships
  • Alternative Investments
  • REITs

Protect

Risk Management for the Unexpected.


Illness, injury or death can happen when your clients least expect it – resulting in the threat of financial disaster. PFG can help you manage these risks in a proactive and cost-effective manner for your clients. Furthermore, as risk management costs continue to rise, regulation becomes ever more complicated, and new financial products are brought to market each week. The need for expert guidance is more critical than ever. We will keep you up to date and informed of important changes so that you can help your clients and their families address their insurance needs.

PFG risk management consultants work to design personalized risk management programs for families and employers that strike the ideal balance between price, coverage and flexibility. We offer a wide range of protection products and through the PFG Network Advantage we can help you provide the best pricing to your clients.

PFG deals only with insurers that demonstrate superior financial strength, giving us the confidence, products and support needed to give you a competitive advantage and help you win more business.

Individual Insurance Products

  • Life Insurance
  • Disability Insurance
  • Long-Term Care
  • Longevity Insurance
  • Critical Illness Insurance

Group Insurance Products

  • Life Insurance
  • Disability Insurance
  • Health/Major Medical Insurance
  • Long-Term Care
  • Dental and Vision Insurance
  • Carve-Out Plans

Transfer

Preserve Wealth for Future Generations.


Federal estate taxes can eat up as much as 50 percent of your clients' assets. Our goal is to help you implement strategies that not only protect your clients' assets, but also dramatically increase the amount of wealth they transfer to their heirs.

In working with business owners and buy-sell agreements, many firms focus only on the use of life insurance. Whereas PFG advisors are able to go one step further offering specialized Disability Income policies to protect their client’s business. In short, you can give your clients the confidence to concentrate on their business.

Family Estate Planning Products and Services

  • Irrevocable Life Insurance Trusts
  • Asset Preservation Planning
  • Family Limited Partnerships
  • Living and Generation Skipping Trusts
  • Grantor Retained Annuity Trusts
  • Testamentary Planning
  • Qualified Retirement Plan and Distribution Planning
  • Charitable Remainder Trusts
  • Dynasty Trusts
  • Credit Shelter Trusts

Business Continuity Product and Services

  • Business Succession Planning
  • Buy/Sell Agreements
  • Structured Buy-Outs
  • Key Person Life Insurance
  • Individual Disability Insurance
  • ESOP Liability Funding
  • Carve-Out Plans

 

*Neither Cetera Advisor Networks nor its representatives offer tax or legal advice. Please consult your tax advisor or attorney for guidance.