PERSONAL PLANNING

Financial - Tax - Wealth Preservation

Garcia & Ortiz provides consulting in all types of financial planning, estate planning and compliance, trust administration and accounting, financial guidance and advice concerning wealth preservation.

Life and Disability Insurance Selection Services

Life and disability insurance must be tailored to the specific needs of the individual. The dynamic circumstances requiring life insurance coverage vary over our lifetime. Protection needed when children must be educated may be totally different than later in life. Disability insurance is one of the most important protections and must be studied very carefully.

The Professionals of Garcia & Ortiz have the expertise to assist in the selection of coverage that is right for you.

Our Approach:

  • Determine the correct amount and type of insurance coverage
  • Establish the method of funding
  • Determine ownership of the policies
  • Work with legal counsel and insurance agents to establish education trusts, irrevocable trusts and other options necessary for estate and financial planning
  • Coordinate life insurance requirements with buy/sell agreements
  • Determine taxability or non-taxability of disability insurance benefits
  • Assist in determining who should pay disability insurance premiums
  • Assist in deciding to offer disability insurance benefits to rank and file employees
  • Provide guidance in dealing with key employees to maximize benefits and minimize cost