Areas of Specialty

Clients choose to work with the Vermont Agency because we are different. We have a unique process, strong beliefs, well defined areas of specialties, program and services that provide added value and competitive product.

Learn more about Our Unique Process

Protection

The foundation of planning is to protect those you love in the event of:

  • Premature death
  • Disability
  • Or, living too long

Life, disability, and Long Term Care Insurance* are about risk. Risk is the exposure to the possibility of loss. Risk can be assumed, ignored, or transferred to a risk bearer. By asking questions and listening to your answers we are able to recommend, and help you implement appropriate strategies to meet your personal and business needs and objectives.

*Long Term Care and Disability insurance are available through representatives who are independently contracted with one or more insurers who provide these types of insurance contracts. Long Term Care and Disability Insurance are not underwritten or issued by National Life Insurance Company or Life Insurance Company of the Southwest

 One of the benefits of life insurance is the living benefits they might offer.  Please review Living Benefits: There's More To Life for more information on living benefits.


Asset Accumulation

Saving for your future needs and wants, whatever they may be:

  • An emergency fund
  • College
  • Early retirement
  • Travel
  • A second home

We recognize the commitment and responsibility we undertake when providing investment advice. By listening closely to your needs, we deliver quality investment services that correspond to your objectives. A wide range of investment objectives can be pursued through the use of various financial vehicles.

Securities and investment advisory services are offered solely through Registered Representatives and Investment Advisor Representatives of Equity Services, Inc., Member FINRA/SIPC, 354 Mountain View Drive Suite 200, Colchester, VT 05446, 802-865-6819.

Retirement Planning and Distribution

Retirement planning creates an income for you when you need it, for as long as you may need it. We help you define a distribution strategy that is most tax efficient.

Estate Planning Strategies

Working with your legal agent, we explore strategies to help you transfer assets you’ve worked a lifetime building to heirs and not to the government. If you have a desire to be philanthropic, charitable giving could be considered within your estate plan.

Our goal is to help you increase your assets, reduce taxes, and assure that your estate is distributed as you want it to be.

Trusts can be used to avoid probate or reduce estate and income taxes. They can also be used to transfer assets for the protection of your children, to avoid taxation of life insurance in your estate or to keep your assets intact while paying income to someone you designates. Our firm has access to trust services through various trust companies.

The use of trusts involves complex tax rules and regulations.  Consider enlisting the counsel of an estate planning professional and qualified professional legal and tax advisors prior to implementing such sophisticated strategies.  The cost and availability of life insurance will depend on factors such as age, health, and the type and amount of insurance purchased.

Trust services are offered independently of the National Life Group companies.

Business Continuation

Business owners turn to us for help in creating a financial strategy that involves all areas of planning.

Business continuation establishes the orderly transfer of a business in the event of death, disability or retirement.

We implement and provide funding alternatives for business continuity plans to protect against death or disability. By providing business valuation services, tax-deferred funding vehicles for buy-sell agreements, and business succession plans, we help our client businesses succeed.

Selective Employee Benefits

Selective Employee Benefits establishes programs to help business owners attract, reward and retain key employees.

We specialize in non-qualified employee benefit programs. Our custom designed programs enable business owner the flexibility to elect the benefit package that will best help them meet their specific goals.

Is Attracting Top Talent One of Your Top Priorities?
Employees - Your Most Valuable Asset!