PSA Perspective Blog | Contact Us | (800) 677-7887 |

Planning Services

Using the latest technologies and methodologies, PSA and United Capital are teaming up to deliver the best wealth management services and experience possible. The partnership brings a number of benefits to our clients, including access to the most innovative practices in investment advisory.

Financial Planning 

Our planning process is a tool to guide our clients in reaching their financial goals.  Services can be tailored to fit the needs of each client, including complete financial plans and individual modules designed to plan for specific goals.  The initial strategy can be modified for clients as needs and situations change.  Clients benefit from the process of developing the plan and the impact of the plan as it is implemented.

Trust and Estate Planning 

We offer direct access to selected estate planning professionals and provide the investment, insurance, funding strategy, and strategic implementation of the plan as well as guidance in the areas of Charitable Giving, Wealth transfer, Business succession, and the use of insurance as a funding vehicle for trusts.

Retirement Planning 

The PSA professionals guide our clients in developing a retirement planning strategy to help them achieve their goals during the accumulation phase of their working years and then provide an effective income (decumulation) strategy during their retirement years.    

Business Succession 

We help our clients coordinate legal and tax advisors to establish a strategy for the ownership transition of their company, and guide clients in managing their wealth created by the sale of their business.  PSA’s advisors can also help you to coordinate estate planning opportunities and explore charitable intentions.

Wealth Transfer 

We work with businesses, business owners, and estates to evaluate alternative solutions and strategies to direct wealth as efficiently as possible, including coordination with our client’s advisors to achieve an integrated solutions to meet the desired outcomes.  Our work includes coordination with our client’s advisors to achieve an integrated solution to meet their desired outcomes.  Depending upon access, taxation, incidences of control, and the desired impact, it may be preferred to accumulate wealth in a specific environment or move the accumulated wealth to an alternative environment.  Transferred wealth includes securities, business ownership, retirement accounts, insurance, and real estate.

Charitable Giving 

Charitable giving strategies allow clients to provide a gift to a charity of their choice while maximizing the gift and tax benefit, and minimizing the impact to their assets.  With proper planning, a client’s income, capital gains, and estate taxes can be reduced through gifting strategies.

In addition to working with high net-worth clients, we work in a consultative role with non-profit organizations to evaluate fact patterns, propose alternative strategies, and provide guidance in gifting strategies.

Education Funding 

We offer guidance in funding for education through 529 plans, College Savings Plans, and various trust and gifting strategies.  Depending on the selected strategy, guidance regarding the specific investments as a funding vehicle may be offered.

Investment Review 

Prospective clients are offered a free, no obligation Portfolio Review of their current investments based on the research of independent experts.  Our Financial Advisors will share the analysis and help you identify the strengths and weaknesses of your portfolio.  The report will enable you to determine whether your assets are properly diversified and allocated across multiple asset classes to maximize the return and reduce the risk of your portfolio.

Lifetime Income 

Lifetime income strategies are designed to assist you in determining how much predictable income can be generated during the retirement years of your life.

Guidance on various lifetime income opportunities including Social Security claiming strategies, company Pension Plans, and the use of Annuities with guaranteed income benefits is provided by Advisors who are well-versed in these areas.

Site Disclosures | Privacy Policy | Form ADV

Areas of Wealth Management

Recent Blog Posts
Executive Order on ACA

Oct
17th
Executive Branch Takes Action on the ACA (Benefit Minute)

In the last week, the Trump administration has taken action to make changes to certain aspects of the Affordable Care Act (ACA).  This action includes two new interim final regulations that scale back the ACA’s contraceptive coverage mandate, an Executive Order related to association health plans (AHP), health reimbursement arrangements (HRA) and short-term limited-duration insurance, […]

Oct
11th
A day in the life of a PSA intern

This year, we have officially kicked off a summer internship program for the future generation of insurance professionals, which we’ve featured in an earlier post Growing Your Next Insurance Partner.

Sep
27th
Recent Court Cases Impacting Employee Benefits (Benefit Minute)

This issue of the Benefit Minute summarizes recent judicial activity which may affect employers and their benefit plans.

Sep
21st
Growing Your Next Insurance Partner – the PSA Intern Program

How long have you known your insurance agent? 10 years? 20? 30? For many people, you’ve known your agent a long time and see him or her as an integral part of protecting you, your family, your company, and ultimately, your ability to thrive.