Strategies for Business Owners
The caliber of wealth services your business requires can be achieved only when specialized know-how is paired with a deep understanding of your unique business needs. You need people who understand you … and who bring experience to the table.
Alera Group Wealth Services is a network of offices across the U.S., serving businesses nationwide. Each of our professionals specializes in specific aspects of wealth services, collaborating with colleagues to forge truly comprehensive strategies for you.
Wealth Management
Investment Management
Applying a client-centric approach to craft portfolios that align with your financial goals, accommodating a range of investment sizes.
Financial Planning
Crafting personalized financial roadmaps that not only match your short-term needs but also consider your long-term financial health and prosperity.
Retirement Planning
Navigating complexities such as asset allocation, Social Security benefits and withdrawal strategies in an effort to support a secure and comfortable retirement.
Legacy and Estate Planning
Helping to plan and implement strategies designed to safeguard your wealth to avoid unnecessary taxes, supporting a smooth transition to the next generation.
College Funding
Offering tailored strategies to make educational savings more effective, aiming for a bright future for your children without compromising your financial well-being.
Charitable Giving
Optimize your philanthropic contributions by structuring donations to maximize impact and potential tax benefits.
Wealth Protection and Transfer
Life Insurance for Tax and Estate Planning
Specializing in the strategic use of life insurance for smoother wealth transfer, estate liquidity and tax optimization.
Life Insurance
Providing policies to protect against potentially devastating financial loss.
Private Placement Life Insurance
Combines asset management and life insurance, specifically designed for high-net-worth individuals seeking a holistic solution.
Disability Insurance
Offering income protection solutions against unforeseen disability, ensuring that you can maintain your lifestyle and meet financial obligations.
Long-Term Care Insurance
Providing coverage that can help lessen financial burdens, preserving both your wealth and quality of life.
Life Settlements
Enabling you to trade existing life insurance policies for immediate liquidity, providing financial flexibility when you need it most.
Business Wealth Solutions
Supplemental Executive Benefits
Enhancing your ability to attract and retain top-tier talent with customized additional benefits that distinguish you in the competitive talent market.
Continuity and Succession Planning
Streamlining the process to ensure a seamless transition and long-term stability, tailored to the specific needs and dynamics of your business.
Key Person Life Insurance
Mitigating the operational and financial risks associated with the loss of key personnel, ensuring that your business remains resilient and profitable.
Split-Dollar Funding
Offering a balanced dual-benefit Life Insurance strategy that simultaneously serves the financial interests of your company and its executives.
Deferred Compensation Plans
Providing tax-efficient income deferral options to enhance your executives’ financial futures while strengthening their commitment to your organization.
Restrictive Executive Bonus Plans
Aligning executive performance with business goals through customized, performance-based incentives that motivate and reward top-tier work.
Our Offices
In our unique model, you're assured of in-house assistance designed to help you meet your financial goals—including both asset management and preservation strategies. Unlike other firms, we don't leave our clients to fend for themselves in the intricate landscape of wealth services.
Get to Know Our Team
We encourage you to connect with our team of professionals. Typically, a new client relationship kicks off by discussing potential strategies with a specialist at one of our local offices. This professional then takes on the role of your financial coach.
THOUGHT LEADERSHIP
Insights
Retirement Plan Services
IRS Issues Guidance on Student Loan Matching
Thirty percent of adults in the U.S. report having received a student loan to further their education. According to the Federal Reserve, the median student loan debt for those with outstanding balances in 2023 ranged between $20,000 and $25,000. To help ease this financial burden, employers are increasingly offering a match toward student loan repayments as an employee benefit to help alleviate the financial strain. This trend also highlights the increasing focus on addressing student debt within the framework of overall financial wellness initiatives.
October 14, 2024
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Retirement Plan Services
Helping Employees Avoid Retirement Healthcare Sticker Shock
Housing? Check. Life insurance? Check. Dining out? Check. For most retirees, these types of line items are fairly predictable and factored into their monthly budget. But when it comes to healthcare, the situation can change dramatically. These expenses are often unpredictable and underestimated — and this wild card can disrupt an otherwise carefully planned retirement, leaving many seniors vulnerable.
October 8, 2024
Find out more Property and Casualty
5 P&C Insurance Tips for Public Sector Entities
Public sector entities — including counties, cities, town villages, local law enforcement and special service districts — offer vital services to our communities. They also face growing challenges, some from the constituencies they serve, as they navigate heightened public scrutiny, shrinking budgets and inflation. In this challenging environment, having a comprehensive property and casualty (P&C) insurance program, supported by a strong risk management strategy, is more crucial than ever.
October 8, 2024
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Retirement Plan Services
Navigating Higher Fees and Opportunities for Smaller 401(k) Plans
Although the costs of retirement benefits have generally decreased due to fee compression, smaller plans are still at a disadvantage. Smaller plans pay more per participant due to fixed costs, while larger plans benefit from economies of scale even with greater total costs.
October 2, 2024
Find out more Certain individuals associated with Alera Group are registered to offer investment advisory services and/or offer securities. Additional information on Alera Group's affiliates can be found by following the firm’s link on the locations page. Find more information on individuals registered with FINRA on FINRA's BrokerCheck.