How We Help
Building your investment assets creates independence for you, your family, and your business. We take a collaborative approach to financial planning, involving you in the process with clear, understandable strategies. We will collaborate with your existing professional services team, or we can help you build one.
How would you describe your current need?
Financial Planning
We take a holistic view of your entire financial situation, getting to know you and your ability to handle the volatility of today’s market. We listen to your goals and involve you every step of the way. We find the right place for you to get started, or to enhance your strategy up to this point. We start where you need to start. And we ensure everyone at the table is heard.
Retirement Planning
Our representatives can help put you on a path to financial independence. We can assist you in calculating the amount of money you need in retirement and manage your risk to help increase your probability of success.
We can help you in every stage planning for the retirement you want, on your terms, whether it be through an employers plan, your own personal plan, tax deferred, tax free, or an individual account with complete liquidity.
Investment Advisory & Financial Counseling
Our investment advisor representatives have the knowledge and expertise to access institutional money management strategies that you cannot access on your own. We have strategic partnerships with third party money managers to offer advisory services when warranted, and utilize the latest technology and analysis to create dynamic investment plans for our clients that can include:
- Tax Loss Harvesting
- Individual Security Selection
- Enhanced Return and Limit Loss Strategies
- Low Cost ETF portfolios
- Actively managed custom portfolios
We also offer Financial Counseling to assist with budgeting, investment analysis, and investment recommendations.
Investment Advisory & Financial Counseling
Our investment advisor representatives have the knowledge and expertise to access institutional money management strategies that you cannot access on your own. We have strategic partnerships with third party money managers to offer advisory services when warranted, and utilize the latest technology and analysis to create dynamic investment plans for our clients that can include:
- Tax Loss Harvesting
- Individual Security Selection
- Enhanced Return and Limit Loss Strategies
- Low Cost ETF portfolios
- Actively managed custom portfolios
We also offer Financial Counseling to assist with budgeting, investment analysis, and investment recommendations.
Education Planning - 529 Plans
College costs increase 6% - 7% on average every year. We can help you determine how much college will cost for your child, and how to save for it. Options include:
- 529 College Savings Plans
- Coverdell ESA Plans
- UTMA & UGMA Accounts
Retirement Planning
Our representatives can help put you on a path to financial independence. We can assist you in calculating the amount of money you need in retirement and manage your risk to help increase your probability of success.
We can help you in every stage planning for the retirement you want, on your terms, whether it be through an employers plan, your own personal plan, tax deferred, tax free, or an individual account with complete liquidity.
Investment Advisory & Financial Counseling
Our investment advisor representatives have the knowledge and expertise to access institutional money management strategies that you cannot access on your own. We have strategic partnerships with third party money managers to offer advisory services when warranted, and utilize the latest technology and analysis to create dynamic investment plans for our clients that can include:
- Tax Loss Harvesting
- Individual Security Selection
- Enhanced Return and Limit Loss Strategies
- Low Cost ETF portfolios
- Actively managed custom portfolios
We also offer Financial Counseling to assist with budgeting, investment analysis, and investment recommendations.
Education Planning - 529 Plans
College costs increase 6% - 7% on average every year. We can help you determine how much college will cost for your child, and how to save for it. Options include:
- 529 College Savings Plans
- Coverdell ESA Plans
- UTMA & UGMA Accounts
Estate Planning
Knowing that your assets will pass on to your heirs without the time and expense of probate can provide comfort and peace of mind. Our advisors work with a law firm that can help clients with the following:
- Learn the Benefits of a Living Trust or Will
- Take Advantage of Current Estate and Gifting Tax Laws
- Harness the Durable Powers of Attorney
- Utilize Advanced Health Care Directives
- Review Your Current Estate Plan
Insurance Planning
Our advisors will help you put together a customized insurance proposal to meet your family’s needs. Some of our Insurance Planning Services Include:
- Policy Review
- Insurance Needs Analysis
- Life Insurance – Term and Permanent Policies
- Disability Insurance
- Long Term Care Planning
Insurance Planning
Our advisors will help you put together a customized insurance proposal to meet your family’s needs. Some of our Insurance Planning Services Include:
- Policy Review
- Insurance Needs Analysis
- Life Insurance – Term and Permanent Policies
- Disability Insurance
- Long Term Care Planning
Insurance Planning
Our advisors will help you put together a customized insurance proposal to meet your family’s needs. Some of our Insurance Planning Services Include:
- Policy Review
- Insurance Needs Analysis
- Life Insurance – Term and Permanent Policies
- Disability Insurance
- Long Term Care Planning
Long Term Care Planning
Our advisors specialize in implementing “Life Insurance You Don’t Have to Die to Use.” By using life insurance with living benefits you have more control, options and flexibility in how you utilize your insurance policy.
- Terminal Illness Benefit
- Chronic Illness Benefit
- Critical Illness Benefit
- Critical Injury Benefit
- Cash Value Accumulation
Real Estate & Mortgage Lending Services
ICM’s Real Estate division provides personalized service whether you’re looking to buy a new home or refinance your current one. Services include:
- Guidance throughout the buying and selling process
- FREE Pre-approvals for all buyers
- Prompt loan decisions and clear communication
- No pre-payment penalties for buyer
- Support by serving as a real estate agent for buying and selling
- Refinance options to free up cash
Investment Planning
It’s never too early to start saving. We help you start putting your money to work for you. There are many strategies and many vehicles for building wealth and meeting life goals. We start where you are ready to start, and help you remain consistent.
- Budgeting
- Dollar Cost Averaging
- Building an emergency fund
- Short term and long term goals
Retirement Planning
Our representatives can help put you on a path to financial independence. We can assist you in calculating the amount of money you need in retirement and manage your risk to help increase your probability of success.
We can help you in every stage planning for the retirement you want, on your terms, whether it be through an employers plan, your own personal plan, tax deferred, tax free, or an individual account with complete liquidity.
Business Retirement Plans
You’re not just responsible for building and growing your business, you are also responsible for strategically handling your business’s dollars, protecting your company and retaining and rewarding talented employees. This crucial planning happens while balancing your own personal finances, intertwining your own future success with that of your business.
We walk you through the essential components of a retirement plan for your team. Your ICM representative can help you identify retirement plans that are suitable for your business structure to attract and retain talent while increasing tax savings.
Business Protection and Succession Planning
As you grow your business into a successful enterprise, it is important that you take steps to protect the equity that you’ve worked to accumulate. 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.