Sound financial planning and asset management are proven strategies for protecting and accumulating wealth. Perhaps you've worked hard and have built up a sizable nest egg. Maybe you are the fortunate recipient of a windfall. Or, you simply want to take control of your financial future. Regardless of the reason, DTRT Insurance can help you.

While certain kinds of insurance are time-honored instruments for cash accumulation, a variety of other financial tools are available for managing, preserving, and growing your financial resources. Whether you are a seasoned business professional or someone just starting out but looking to the future, our team of financial services professionals can advise and prepare financial tools that will help you reach your goals.

Some of the services and products we offer include…

• Estate Planning. Our team of financial services experts will assist you and your attorney in designing an estate plan that will provide for the smooth final settlement of your estate and ensure maximum asset protection and transference to your love ones.
• Buy/Sell Agreements. This is a widely favored business method that protects your business should a partner pass away or become disabled. The Buy/Sell agreement strengthens for you, your family, business partners, and associates, and protects your business and personal assets at a time when they might otherwise be vulnerable.
• Key Person Insurance. Another insurance tool designed to protect your business, Key Person Insurance protects your business' productivity as well as provides continuity should a key employee pass away or become disabled.
• Split Dollar Plans. A common strategy for business owners, We can show you effective methods that allow you to use business dollars to purchase permanent life insurance for you, your spouse, and key employees and their spouses.
• Section 303, Stock Redemption. This tool will assist you in providing your estate with corporate dollars to settle estate costs. Considering the various business issues and tax penalties that heirs may face in settling your estate, consider strategies that will eliminate or reduce this burden.
• Executive Bonus Plan (Section 162). Another strategy for purchasing life insurance, this method pays for the premiums in the form of a bonus which will become a tax deductible expense.
• Disability Income Insurance. A common form of business protection, Gateway's tax advantage disability income insurance program helps provide financial support if you become disabled.
• IRAs/SEPs/401Ks. These common savings and investment tools are available for individuals and may be purchased individually or as part of an individual's employment status.