The economics of present day living are more demanding than ever before. Consider the staggering costs of your own financial goals. Such goals can only be achieved by planning on a long term basis, and then by carrying out the plan. To do this, you need a trained financial professional.

We help clients create and grow wealth ... protect and preserve wealth ... and plan the distribution of wealth during life and at death in the most tax efficient way.

A successful financial strategy is always a work-in-progress, requiring careful attention and monitoring so adjustments can be made to reach your long term objectives. Our mission is to help you develop strategies that will allow you to reach your personal and financial goals.

Comprehensive Business Planning

Business Succession Planning

• Buy-sell agreement planning
• Buy-sell funding

Key Executive Compensation Planning

• Non-qualified deferred compensation
• Executive bonus arrangements
• Split-dollar agreements

Key Management Loss

• Key person life insurance
• Qualified sick pay plans
• Corporate owned life insurance
• Executive carve out life and disability planning

Qualified Retirement Plans

Design

• Feasibility studies for new plans
• Existing plan review and updating

Implementation and Administration

• Enrollment, recordkeeping and reporting
• Profit sharing 401(k) and 403(b) plans
• Defined benefit plans (pension plans)
• 412 (i) plans
• Rollovers of qualified accounts

Comprehensive Personal Planning

• Cash flow management
• Risk management and protection
• Educational planning
• Retirement income planning
• Estate planning
• Charitable gifting concepts

Insurance Planning

• Comprehensive evaluation of existing policies
• Life insurance protection calculator
• Disability income insurance calculator
• Long term care insurance
• Annuities analysis (fixed and variable)

Investment Advisor Representative of Investment Advisors, a Registered Investment Advisor and a division of ProEquities, Inc. Securities offered through ProEquities, Inc., a registered broker-dealer, and a member of FINRA & SIPC. S.S. Nesbitt & Co., Inc., is independent of ProEquities, Inc.

Rick W. McQuiston, CLU, ChFC is licensed in Alabama, Mississippi, New Mexico and Tennessee, Series 6, Series 26, Series 63 and Series 65.

Rick McQuiston
Chartered Financial Consultant

E-mail Rick