Full Service Financial Planning

While developing a customized financial program, we will walk you through a step-by-step process that will help make you feel confident in your decisions. Once your goals have been established, we will customize appropriate strategies to suit your vision and objectives. We can help you execute a sound financial program utilizing various strategies, products, and services.

Click to learn more about services for BUSINESSES and SELF-EMPLOYED

Click to learn more about our EDUCATIONAL FINANCIAL WORKSHOPS

Learn more about our Financial Services for Individuals and Families
Click a topic or scroll down for a full list of services:

♦ Retirement Planning  ♦ Investment Advisory Services  ♦

♦ Life Insurance and Long Term Care  ♦ Car, Home, Liability  ♦

♦ Health and Disability  ♦ College Education Planning  ♦ Estate Planning  ♦

Retirement Planning

Your ICM representative will help you create a plan for your retirement. We will help give confidence in your investments so you can enjoy every aspect of your life, now and in the future.We will assess your current income and your desired income, then make adjustments based on inflation and your target retirement age in order to assess the potential amount of money you will need at retirement. Our financial professionals work with all the retirement plan options, including IRA's, TSA's, SEP’s and 401k’s. We will customize a plan to help you with all of your needs.

Investment Advisory Services

Our highly trained investment professionals will recommend a selection of financial services appropriate to your risk tolerance and design a custom portfolio around your unique needs. Other exclusive benefits include active management of accounts, semiannual reviews, and ongoing access to the ICM investment advisory team.

Life Insurance and Long Term Care

Creating a life and long term care insurance plan for your family can be confusing and frustrating. Your ICM representative can help you avoid the potential problems and design a custom plan that fits your needs and budget. We will help you understand the benefits and features of universal life, term insurance, return of premium term, and universal life with living benefits and long term care solutions. Working together, we can create precisely the kind of life insurance plan you need.

Car, Home, Liability

ICM offers Car, Home and Liability insurance through Wood, Gutmann and Bogart. Please call your ICM representative or our corporate office at 800-600-2620 to receive a complimentary Property and Casualty insurance quote.

Health and Disability

With the health care system in shambles and the day to day risks of driving your car, there is nothing more important than being properly insured for health and disability. ICM offers our clients a wide range of health and disability options. We can set up an individual plan, a family plan, or even a group or small business plan.

College Education Planning

Your ICM financial advisor will help you create smart strategies such as the College 529 plan and the Coverdell IRA for college education savings. These plans help you start building assets for your children¹s educational expenses now, while time is on your side. Contact your ICM representative today to learn about plans that allow for tax-free accumulation of assets used for education expenses.

Estate Planning

Your ICM representative will help you with wills, living trusts and irrevocable living trusts. He or she will put the differences in simple terms and help you develop a smart plan through attorney referrals to pass your assets to your heirs.

FINANCIAL SERVICES FOR SMALL BUSINESSES

Retirement Plans

Whether your business is growing or established, we can help you create customized solutions that fit your business model. Implementing a comprehensive retirement plan will help you increase your tax deductions, retain and reward employees, provide protection from creditors, and shift dollars from your business to your retirment on a tax deductible basis. ICM representatives can help you with a variety of business retirement plans including: SEP IRA, SIMPLE IRA, 401(k), Profit Sharing, Self-Employed 401(k), and Defined Benefit Pension.

Business Protection

As you grow your business into a successful enterprise, it is important that you take steps to protect your equity from risk, liability, and loss exposure. We can help you put together a comprehensive plan that can help reduce financial loss from unexpected events such as when a key person leaves the company, a partner sells their ownership interest, or a valuable employee passes away. Your ICM representative can help you implement and fund a Buy-Sell Agreement, Key-Person Insurance Plan, and Business Succession Strategies.

EDUCATIONAL FINANCIAL WORKSHOPS

Financial awareness is a key element to long term financial success. ICM representatives are committed to giving back to the community through complimentary, educational workshops on various financial topics. We conduct lunch-and-learns at the workplace, community centers, churches, and association meetings. Attendees can increase their knowledge during the workshop, and have the opportunity to speak with our qualified professionals to ask specific questions.

* A 529 plan is a college savings plan that allows individuals to save for college on a tax-advantaged basis. Every state offers at least one 529 plan. Before buying a 529 plan, you should inquire about the particular plan and its fees and expenses. You should also consider that certain states offer tax benefits and fee savings to in-state residents. Whether a state tax deduction and/or application fee savings are available depends on your state of residence. For tax advice, consult your tax professional.