Services

When we provide investment management services for our clients, we start with an in-depth assessment of our client’s goals, time horizon, current and projected financial position, tax situation and risk tolerance.

After analyzing this information and determining the clients’ preferences, we will make recommendations on investment strategy, asset allocation, type of product and on particular assets to be used to implement the investment plan.

The plan is tracked using software that allows us to assess diversification by asset class, investment style, industry, and geographic area and to assess risk using various analytical tools. Regular reporting of asset returns is also used to track progress.

We provide investment services on a commission and/or fee basis.

We always look at the entire financial picture with our clients. This includes a needs analysis of their life, disability income and long term care insurance.

We also audit any existing policies the client may have with another agent and carrier to determine if the insurance they currently own is still necessary or obsolete.

What sets Cohen Financial Services apart from others in our industry is the fact that we pay close attention to all the details concerning your estate and charitable planning. Having an effective financial plan is simply one component in achieving your estate and charitable planning goals. Consideration must also be given to conserving and managing your estate. Taxes, inflation and unanticipated expenses can severely diminish the value of your estate.

Without proper planning, the bulk of your estate may be consumed by Uncle Sam’s taxes and other unnecessary expenses, rather than passing to your family and heirs. To protect your assets, we will help you plan for retirement distributions, institute gifting programs, avoid probate, reduce estate taxes and make charitable gifts, giving you the financial health you deserve.

Once an estate plan has been designed and documents drafted, we assist in the implementation phase, including re-titling of assets. With the assistance of Cohen Financial Services and its qualified professionals, working in conjunction with your attorney and accountant, we will develop an estate plan designed to accomplish all of your intended objectives.

A company retirement plan is an excellent employee benefit, increasing employee retention and motivation. Cohen Financial Services’s goal is to offer the very best in plan design and services, whether you`re looking for help with existing plans or considering a new one.

You`ll find the plans we offer are attractive in their "personalized" approach, which features distinct specialists in administration, well known fund managers by asset class and professional employee communications.

Cohen Financial Services also supports your plan with comprehensive education and quality service, helping to ensure the best retirement program available for you and your employees.

Many individuals devote all of their waking hours to growing and developing the family business. Through the years, the family business owner usually invests the majority of his or her time, energy and money in the venture.

Unfortunately, although a considerable amount of resources are devoted to the business, little attention is given to estate tax planning and business succession strategies.

In short, many times a business owner simply does not have the time and background to consider:

• What will happen if a shareholder becomes disabled or dies?
  
  
• How can company stock be transferred to children or grandchildren without paying gift taxes?
  
  
• Do heirs have the training, experience or willingness to run the business?
  
  
• What type of retirement plans should their business have?
  
  
• Should their business have key employee life insurance?
  
  
• How can estate taxes be reduced while still retaining control of the business?
  
  
• What events should trigger the termination or sale of the business in the event of death or disability?
  
  
• How can arrangements be made for the purchase of the stock of a deceased shareholder, and what is it worth?

At Cohen Financial Services, we will help you address these difficult questions.

We offer the following employee benefit services:

Consulting on the design of an employee benefits package to help you attract and retain quality employees

Assisting you with the process of securing and evaluating health, life and disability insurance

Selecting and implementing a retirement program for your employees

Educating your employees about your retirement plan so they can make better decisions about their retirement savings

Identifying other employee benefit plans that might meet your needs, such as flexible benefit programs, group long term care, executive incentive plans and education savings plans.