FES Insurance Design

"Building Wealth & Enhancing Lives"

Welcome to FES! 

We specialize in building and perserving wealth with a laser sharp focus on guarantees and safety.  After over 21 years of service to our valued clients, we feel we have truly embarked on the most BRILLIANT strategy for wealthy business and estate owners.  As a result, we launched FES Insurance Design in December 2007.   As of July 2008, we have helped people apply for over $60,000,000 of life insurance coverage to meet their estate and business planning objectives.

Are we in the business of simply selling insurance? In a word:  NO!  Through careful, thoughtful planning and diligent research, we help people transfer wealth efficiently.  We assist families in leaving a legacy.  We encourage giving to favorite charities, churches and alma maters.  We help business owners protect and reward key employees and create transfer strategies. 

HOW DO WE DO THIS?

We are introducing individuals to SMART DESIGNTM Life Insurance Premium Financing.  Premium financing helps us take the "sting" out of the solution and open a new world of opportunites to clients.  Since ensuring sufficient life insurance coverage may require significant premium payments, a premium financing strategy can be a great option for high net worth clients who do not want to liquidate assets to fund their insurance premiums.

Imagine - the life insurance coverage you need or want, wth little or NO out of pocket cost!  Call us NOW to join our fast growing family of HAPPY, WELL SERVED CLIENTS!

Car Affordability

How much can you afford to pay for a car?

Estate Taxes

Use this calculator to estimate the federal estate taxes that could be due on your estate after you die.

Net Worth

A balance sheet summarizes your assets and liabilities and reveals your net worth.

Required Minimum Distributions

Estimate the annual required distribution from your traditional IRA or former employer's retirement plan after you turn age 70.

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Every Little Bit Helps

IRA catch-up contributions enable investors aged 50 and older to make up ground in saving for retirement, whether they had a late start or just want to sock away more money.

What Does the Dollar Do for You?

Which is preferable, a strong dollar or a weak one?

It’s Your Home, Not Your Retirement

Although downsizing or using a reverse mortgage to free up home equity can be appropriate for some older retirees, planning to rely on your home to fund your retirement is a corner you may not want to paint yourself into.

Define Your Own Benefits

Everyone wants to be a happy retiree someday, but there's a big problem.

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