Caring for our clients with holistic financial services
Customized options based on your unique situation
Our clients are busy being experts in their arena, and the complexities of financial planning can be difficult to navigate. Professional Planning Services can fill that gap. It’s our belief that the best way to excel is to be coached by experts. The same is true with financial planning.
Schedule Your Complimentary Review
Personalized Planning
Our office specializes in helping our clients navigate the complexities of retirement and financial planning. Our team is equipped to analyze and strategize for you, and we’re all fiduciaries.
Retirement & Financial Planning Resources
We are experts in the individual health insurance space and can help you apply and assess your options.
Health Insurance Resources
The success of your retirement depends on the amount you save, not on your rate of return. Learn how to use leverage and gain the potential for an additional 60-100% more for your retirement without the typical risks associated with leverage.
Design Your Own Retirement Resources
Over the years, we’ve helped hundreds of families pay for college without going broke. If you have questions about the college process, visit our sister site, Education Funding Specialists. It’s a great place to start!
Early-Stage College Planning
As college planners for families with children aged 0-12, we focus on financial strategies to maximize college savings and help reduce potential college costs. Beyond 529 plans, we guide families in optimizing financial aid and scholarships by effectively structuring their finances. By developing a comprehensive plan early, families can leverage tax strategies and financial aid opportunities to make college more affordable and secure substantial financial support when the time comes.
Late-Stage College Planning
As college planners specializing in late-stage planning for students aged 13-17, we help families strategize to target schools where students are top candidates, while also minimizing the likelihood of paying full tuition. At this stage, we work with families to position their finances in a way that maximizes eligibility for need-based aid, merit scholarships, and institutional discounts. Beyond savings, we explore options like appealing financial aid packages, selecting schools that align with financial goals, and utilizing tax benefits. With careful planning, families can significantly reduce college costs and secure substantial financial support.
Retirement & Financial Planning Resources
Medicare Resources
Our team specializes in investment management and will take the time to understand your risk tolerance and financial objectives. When it comes to ROTH Conversions, we have the experience, tools and know-how to evaluate if and when a conversion makes sense for you.
Life Insurance Resources
- Whitepaper – Replacing Your Paycheck in Retirement
- Term Life Insurance Quotes
- Life Insurance as an Asset Class
- Life Insurance Lessons: Swing Vs. Club
- The Horse Race
- Kai-Zen: Design Your Own Retirement
Do you know how much life insurance you need? We offer complimentary life insurance needs analysis for those looking to understand their life insurance needs. Book a Needs Analysis Call today! Click here.
Disability insurance can also be called “Income Replacement” insurance. Understand the true value of this inexpensive add-on to your insurance solutions while you’re working. It can be the difference in whether or not you can cover your bills if you lose your job.
Disability Insurance Resources
An unspoken rule in retirement planning is that you should never leave your old 401k behind at an old employer. There are several reasons for this, including access to more investment options inside of an IRA. However, there are circumstances where we’d advise you to keep your funds where they are when leaving a job. Find out if a rollover is right for you.
If you could reduce the amount of money that is leaving your circle of wealth unknowingly and unnecessarily, would you want to know how? We specialize in strategizing to reduce your tax burden and keep more of your hard-earned dollars. Learn more by scheduling a time with one of our planners today.
Tax Strategy Resources
Business Owners
Kai-Zen – A retirement secret for business owners
Self Employed Pensions (SEP’s)
Helpful Video
- Establishing a 401k
- Should you consider changing the established 401k?
- Profit Sharing Plans
- Simple IRA’s – How do they work?
- Solo 401ks
- What’s a Cash Balance retirement plan?
- Pensions
Helpful Video
Small Group health insurance plans are typically for groups with 2-50 employees who work full-time. The enrolled members must meet the health insurance carriers participation (enrollment) rules, and no New Jersey groups are currently allowing “husband/wife”-only small groups.
With that being said, the choices can be daunting. Let us be your guide!
Get A Quote
- Complete our Fact Finder and submit it to info@professionalplanningservices.com
Small Group Health Insurance Carriers
- Horizon BCBS
- Amerihealth
- United Healthcare/Oxford
Horizon Small Group Dental & Vision
- Horizon Bundle Application for Dental & Vision
- Horizon BCBS Small Group Vision Application
- Horizon BCBS Small Group Dental Application
Oxford Dental & Vision
HSA’s, HRA’s and FSA’s
Going this route allows for easy access to group life plans, short-term disability, long-term disability, critical illness insurance, cancer coverage, pet coverage and more. However, there are fees, and you’ll need to change your payroll and most times your workers compensation coverage as well.
Get A Quote
- PEO Employee Census Form – Complete and submit it to info@professionalplanningservices.com
- Questionnaire (ERC- RFP Request for PEO Proposal) – Complete and submit it to info@professionalplanningservices.com
- Article: What is a PEO
Level-Funded Health Insurance Plans
Cross Purchase Buy-Sell vs an Entity Purchase Buy-Sell
- Article: Cross-Purchase Buy-Sell Agreements: What Small Business Owners Need to Know
- Article: What is an Entity Purchase Buy-Sell Agreement?
Disability Buy-Sell Agreements
We understand the risk of Death but what of an injury or illness that takes out a key owner?
Business Valuation for Buy-Sells
What would happen if you got injured and couldn’t work? How will you pay your staff and business expenses? That’s where business overhead insurance comes in.
Long Term and Custodial Care Through Your Business
Helpful Video
Employee Benefits
- 401k’s – Should you enroll in your company’s plan and if so, how?
- Health Insurance – How do we enroll in our companies group health insurance
- I lost my job so how does Cobra work?
- Group Life Insurance Coverage – How much to elect?
- Group Disability Coverage – Enrolling before you need is the key
- Long Term & Custodial Care – New solutions for an aging population. Where would you want to be cared for? Home or a Nursing Home?
- Group Health Ins – It’s expensive and your employer is usually paying the lion’s share
- Group Dental or Voluntary – If your employer is paying for this make sure to utilize
- Group Vision or Voluntary – How to enroll in your employers’ plan
- Your child is aging out of the group’s plan. What are health insurance options for them?
- HSA, HRA and FSA’s often overlooked section of the tax code and complicated
MyLegacyLock
Wills, trusts and legacy planning do not have to be difficult or expensive. Together with estate planning attorneys, we can help.
Medicare Simplified
Do you have questions about Medicare? Check out our library of informative Medicare videos here:
Term Quotes
We work with individuals across the nation to secure the lowest lie insurance rates available. Give us a call today or get an instant quote now.