Employee benefits are ever changing and has certainly been in the limelight with the passing of the Affordable Care Act. There are so many provisions of this legislation that must be attended to no matter the size of the company. We are well versed in the law and can assist with the strategies to employ going forward. Life insurance, disability insurance and long term care insurance are all aspects of one's estate planning. Protection is the key element of planning and these items must be addressed more often than most people actually address them. Years of experience has given us great insight into individual's needs and this clearly aids in the planning process. We are confident that becoming a client of our firm will be a rewarding experience in that there will be a laser focus on knowledge, creativity and personal attention.