Want to better understand your current investments? Ready to turn assets in to income? Everything we do starts with learning what is important to you.

Investments*

We offer products and services to help you develop a sound, long-term investment strategy. You can choose from over 2,500 mutual funds, including self-directed, tax-deferred Individual Retirement Accounts (IRAs). We also offer products to fund plans for companies of all sizes, ranging from SIMPLE IRAs to full-service defined contribution and defined benefit plans.

We want to help you attain your goals on your personal timeline. Together, we will select which products are right for your strategy. Some of the options we may select include:

• Mutual Funds
• Annuities
• Exchange Traded Funds
• 529 College Savings Plans

Retirement Strategies – Turn your assets into income while mitigating tax consequences

• Preserve and protect retirement savings and investments
• Plan for long-term care and final expense needs
• Develop and implement a legacy plan
• Create income streams which may include immediate or deferred annuities

*Securities products and services are offered by properly licensed Registered Representatives through NYLIFE Securities LLC (Member FINRA/SIPC), a Licensed Insurance Agency and a New York Life Company.

Decisions you make today can protect those you love tomorrow. Protect your family, business and your income with insurance strategies.

Life insurance is a useful financial tool that can be used in different ways throughout your life. We will help you select the right product types, coverage amount and payment options that are right for your strategy.

Life Insurance
Term Insurance
Whole Life Insurance
Universal Life Insurance
Variable Universal Life Insurance

Long Term Care Insurance
Going through life may require a little help along the way. So if you're planning ahead, long-term care insurance may help protect you or a family member's future plans and help preserve the assets you've worked so hard to build.

Traditional Long Term Care Insurance
Hybrid Long Term Care Insurance

Disability Insurance
Protecting your income against a loss due to disability is an important part of any financial strategy.
We will help you select the right plan for you.

Business owner clients may also benefit from the following:

Group Short Term Disability - Temporary income replacement when employees are unable to work because of illness, injury, or pregnancy

Group long-term disability - Continued income protection with a focus on incentivizing full or partial return-to-work outcomes for employees who are unable to work due to illness or injury

As a business owner or medical professional, you take care of your employees, your community and your patients or clients. We are here to help you make employee benefits an easy addition to your business.

Employee/Group Services

• Term Life Insurance
• Short & Long Term Disability Insurance
• 401(k) Plans
• Employee Owned Whole Life Insurance
• Long Term Care Insurance
• SIMPLE IRA Plans or SEP IRA Plans

You take care of your employees, now let us take care of you! Understanding the unique strategies available to you as a business owner such as deferred compensation plans and executive carve-outs, can help keep your business thriving while you prepare for your personal financial future.

Executive/Professional Strategies

• Non-Qualified Deffered Compensation Arrangements
• Business Continuation Strategies
• Buy/Sell Strategies
• Key Person Insurance
• Executive Bonus Arrangements
• Executive Carve Out Arrangements

Succession Strategies – Business owners and medical professionals often assume they will sell the business when ready to retire. Begin with the end in mind. Meet with us today to discuss the steps you will need for a successful exit.

Caring for an Extended Family

Mike and Maria are busy professionals with 2 girls in college. Mike’s father has dementia and has moved in with them. Maria, who is self-employed, has cut back on work hours to help provide for care. Maria’s mother lives nearby and is doing well, but they are concerned that their retirement savings may be impacted if she needs care in the future.

In their annual review, we found some insurance options for Maria’s mother to help make sure she can receive the care she deserves when the time comes. We also took the time to talk about planning for an extended care event for Mike & Maria. They want their daughters to be free from similar concerns and want the girls to focus building their careers and raising their own children. We reviewed insurance options and created a written plan to help them map out funding for an extended health care event. Set up a consultation to learn how you can: protect your assets and retirement accounts, ensure that you get the care you deserve and provide peace of mind to you and your family.

Executive & Professional Retirement Strategies

Dominick just turned 32 and is a high incomer earner in a medical sales position. His friend Kyle, a physician, mentioned that his retirement strategy includes unique structure for tax-free income in his portfolio. Kyle explained that he can contribute more to this plan than he would be able to in a traditional tax-free account and he doesn’t have to wait until he is 59 ½ to access his money like other retirement accounts.

After meeting with us, Dominick decided to continue contributing to his 401k plan, but created and individual investment and retirement strategy with Willowtree Financial which includes guaranteed tax-free income using permanent life insurance. The flexible contributions strategy lets Dominick feel more in control of his financial future.

Dominick is does not yet have a family, but he hopes to one day. Preparing for his future family, he purchased additional term insurance and disability insurance to help protect his income against an unforeseeable event. Call us to create your individual strategy.

Small Business Owner Solutions

Julie has a thriving design business of 30 employees and is a married mom of 3. She is a very "hands-on" owner and like many business owners, Julie was trying to do everything herself! In her personal life insurance review, Julie asked what else Willowtree Financial could handle for her. Julie was concerned she may lose some employees to a competitor with better benefits.

We quickly implemented Julie’s company with group term insurance, a SIMPLE IRA plan, and employee whole life. To help Julie keep her top talent, we outfitted her top 3 producers with executive bonus plans, long-term disability, and executive carve-outs for long term care policies. Key Person insurance policies on Julie’s “go-to” people gave her peace of mind. For Julie and her executive team, we created non-qualified deferred compensation plans, which can help her high-income earners mitigate tax exposure in the future.

Julie is considering options for selling her business after her kids are out of college. Although this is 10-15 years away, Julie wants to make sure her business is passed on efficiently, which improves employee morale and customer loyalty. Learn strategies you can implement in your business today to protect your income in the future.

Individuals & Families

Preparing for any journey is easier with a detailed map. Every family has different goals, and designing a flexible strategy is the first step. We can help you learn to:

• Create a budget and save for major purchases such as a home.
• Save for children’s educational futures.
• Understand your retirement accounts and learn to mitigate tax exposure.*
• Protect the ones you love with life insurance.
• Prepare for unforeseen circumstances that can impact your retirement and your family’s financial future.

*Neither Willow Tree Financial and Insurance Services nor NYLIFE Securities LLC and its affiliates, nor its representatives, provide tax, legal, or accounting advice. Please consult your own tax, legal, or accounting professional before making any decisions.

Retirees & Pre-retirees

Preparing for retirement is exciting. Deciding on when to exit the daily workforce, when to claim social security, how to fund for future health care events can be stressful. We guide you in making decisions for your next chapter. Let’s discuss:

• Turning assets into income
• legacy strategies and charitable giving
• long term care insurance
• asset protection and growth strategies

Business Owner Solutions

Your passion and dedication have gotten your business to where it is today. Maximize and protect what you have built. We offer a wide array of services to help you address your financial needs at every stage of the business life cycle. Some of our key services include:

• Succession Strategies
• Key Person & Executive Carve out funding
• Employee Benefits
• Non-Qualified & Qualified Retirement Strategies
• Risk Management and Life Insurance

A Message from Kelly

Making long-term financial decisions can be stressful knowing what twists and turns are coming our way. At Willowtree Financial & Insurance Services, we believe strength is found in flexibility.

Preparing for the unexpected is a cornerstone of our practice. Chronic illness impacted our family in the forms of cancer, addiction, Alzheimer’s, and Parkinson’s Disease. My family has seen first had the emotional, and spiritual toll an extended health care event can have on a family and family business. We cannot emotionally prepare for some events that come our way. But we can prepare financially and lay down roots to weather difficult storms.

It is possible to provide protection for your family while growing your business, preparing for retirement, and leaving a legacy. The key is preparing for flexibility and establishing a solid foundation.