Financial Planning Solutions, Inc., has access to all insurance companies and financial service companies products and services that are available to all estate planners, insurance agents, stock brokers or financial advisors. What differentiates Financial Planning Solutions, Inc., from the above is that we do not have any type of sponsoring affiliation or required production agreement with any one product or service providing company.

We have chosen to affiliate with one of the largest independent product and service providers giving us access to all insurance and financial services companies in the United States. This affiliation gives FPS the freedom to identify the products and services that will best accomplish the goals and objectives of each client. We then review the products and services of the top companies and choose the best fit for a particular client’s circumstance.

This means we can design and implement employee benefit programs, deferred compensation programs, optional benefit programs, IRS qualified pension plans (i.e. 401(k)’s, 412(i)’s, IRA’s, pension plans, etc.) and non IRS qualified plans (i.e., 409(a) and 162 plans). In addition, Financial Planning Solutions, Inc., is experienced in using certain special use plans such as VEBA’s, ESOP’s, and Welfare Benefit Trust related arrangements. Investments available through Financial Planning Solutions, Inc., include stocks, bonds, mutual funds, variable annuities, and variable life insurance, etc. Insurance products available through Financial Planning Solutions, Inc., include all types of cash value, term, disability and long term care insurance. Specialty insurance coverage such as malpractice, errors and omissions, commercial lines and property and casualty are available at special request.