Our Services

Centric Advisors offers independent financial management and advisory services for individuals and businesses in the following areas:

  • Guaranteed Lifetime Retirement Income Strategies

  • Supplemental Retirement Income

  • Disability & Long-Term Care Protection Strategies

  • Legacy Plans

  • Qualified Employer Sponsored Retirement Saving & Pension Plans

  • Business Owner Executive Benefit Plans

  • Tax-Deferred Investments

  • College Tuition Funding Strategies

Whether it's developing a personal financial roadmap, implementing a needs-based family insurance strategy, creating a customized executive benefits program for a business or architecting a tax-advantaged qualified retirement program for business owner, we AIM to provide a holistically planned, innovative and practical financial programs for our valued clients.

We have access to products and services from an incredible array of market-leading companies, which allows us to develop client-centric, needs-focused financial strategies.

 

 

Tax-Advantaged Retirement Strategies

Individual Retirement

  • Retirement Needs Analysis
  • Traditional and Roth IRAs

Qualified Employer Sponsored Retirement Plans

  • Defined Contribution - 401(k), 403(b)
  • Defined Benefit
  • Profit Sharing
  • SEP & Simple IRAs

Non-Qualified Business Owner/Executive Benefits

  • Executive Bonus Plan (section 162)
  • Deferred Compensation (457 plan)
  • Split-Dollar Life Insurance

Annuities (Guaranteed Lifetime Income)

  • Fixed (single flexible & immediate)
  • Variable Annuities (immediate & flexible payment)
  • Equity Indexed Annuities

Life Insurance (Tax-Free Supplemental Retirement Income)

  • Whole Life
  • Universal Life
  • Variable Universal Life
Financial Risk Management

Business Planning

  • Buy-Sell Agreement
  • Key-Person Coverage
  • Business Succession Plan
  • Stock Redemption Plans

Family Protection

  • Annual Renewable Term
  • Level Term — 10-, 15- , 20- and 30-Year
  • Whole Life
  • Universal Life
  • Variable Universal Life
  • Survivorship Variable Universal Life
  • Survivorship Universal Life

Disability Risks

  • Individual Disability Income
  • Individual Long-Term Care
Tax-Efficient Legacy Planning & Estate Preservation

Life Insurance

  • Annual Renewable Term
  • Level Term — 10-, 15- , 20- and 30-Year
  • Whole Life
  • Universal Life
  • Variable Universal Life
  • Survivorship Variable Universal Life
  • Survivorship Universal Life

Annuity

  • Qualified Longevity Annuity Contract
  • Stretched IRA
  • Deffered RMD
Wealth Accumulation and Financial Management

Fixed-Income Investments

  • Mutual Funds (income-oriented)
  • Municipal and Government Bonds
  • Money Markets
  • Certificates of Deposit

Equity Investments

  • Mutual Funds (growth-oriented)
    • Large Cap Growth/Value Funds
    • Small/Mid Cap Growth/Value Funds
    • International Equity Funds
    • Asset Allocation Funds
    • Sector Funds
    • ETFs
  • Publicly Traded Stocks

Financial Planning

  • Non-Fee Needs Analysis
  • Personal Financial Plans
  • Focused Needs Plans
  • Personal Financial Plans with Estate Planning