Here are my areas of expertise, which I will use to provide you with customized recommendations that will help you plan for your financial future.

 

Financial Planning

Long-term financial security doesn’t happen by chance. Many things in life can have an impact – positive or negative – on your financial well-being. OREI is here to help you take control of your future. Together we’ll identify your most important goals and dreams, and build and implement a financial plan to help you achieve them. And because life is unpredictable, we’ll monitor your progress on a regular basis to ensure your plan evolves as your needs and the situation around you changes.

 

Real Estate Investing

OREI Real estate is the real estate division of The OREI & Associates Firm.  OREI Real Estate Associates concentrates on the goals of their clients which are home buyers, home sellers, or investors (who are otherwise intended for investment purposes rather than as a primary residence). It is common for clients to own multiple pieces of real estate (one of which serves as a primary residence, while the others are used to generate rental income and profits through price appreciation). The tax implications for investing in real estate are often different than those for residential real estate.  Clients have the option of investing in the areas of: Residential, Commercial, Industrial, and much more!

 

Life Insurance Planning

Many people realize that they need life insurance. And, many people have opinions about what type of life insurance they prefer. OREI regularly help people determine how much life insurance they need and what types or combination of types of coverage are best suited to help them further their own objectives. A well constructed life insurance policy can be a valuable part of your overall financial security plan. OREI will help you look at this in the context of your overall financial security plan and help you determine what makes the most sense for your particular situation.

 

Disability Income Planning

Disability insurance protects one of your most valuable assets-your ability to earn an income. A disability could suspend or terminate your income for an extended period of time. It may force you to close your business. With OREI expertise in disability insurance, we are able to recommend disability insurance products through our affiliate company.

 

Long Term Care Planning

After a lifetime of work and proper preparation, a secure retirement can be your reward. That security will only be as strong as your ability to stay healthy. Most people would agree that their most important asset is their health. That is why it’s important to ensure that if you are ever faced with an extended illness, you will receive the kind of care you need. Together with our associates, we’ll assist you in determining your long-term care needs and design solutions tailored to your unique situation.

 

Special Needs Planning

Planning for a dependent with special needs can be complicated. It is recommended that you work with a team of experts – including an attorney, a financial professional and a social service professional. As a key member to the special needs team, OREI provide solutions for families with special needs.

 

Retirement Planning

Perhaps one of the greatest financial challenges you will face in your lifetime is preparing adequately for your retirement. OREI will help you create a plan that will assess your current financial situation, determine the retirement lifestyle for your future, review the many options available, and put solutions in place to help ensure you achieve the retirement of your dreams.

 

Education Funding

With the cost of higher education rising faster than the rate of inflation, many families wonder how to prepare for this expense. OREI specialize in education funding and can help you explore the right options for saving the money you need to send your children to college.

 

Tax Planning

Investment tax planning focuses on the income tax implications of your investment selections. You should understand how the different returns of the investments you are considering are taxed before finalizing your asset allocation decisions.  The timing of when you receive income is also an important consideration. Taxable bond income and dividends are taxed in the year you receive the income. The increase in the value of a stock (capital gain) is generally taxed when the stock is sold. Either way, timing should be taken into consideration if you decide to make a major shift in your investments that requires the sale of a lot of highly appreciated assets. It is also important to know that stocks you hold for one year or less will not receive favorable tax treatment, and their gains are taxed as ordinary income.

 

Business Valuation Planning

Accurately valuing your business is a primary consideration in your estate and business succession planning. It’s critical to being able to properly fund your business purchase agreement, which can help preserve your wealth and make the transition of your business a smooth one at retirement, disability or death. It’s not an exact science, and the value of your business will change over time. Working with you and your other advisors, OREI can help keep your valuation current to meet your overall objectives.

 

Business Risk Management

As a business owner, you know that your presence on the job is crucial. Securing the right kind of business protection can be complicated. Using OREI’s expertise in business risk management, we can help you protect your business to ensure its future.

 

Business Continuation & Succession Planning

What will happen to your business when you retire, or if you become permanently disabled or die? What’s the value of your business, and how much is each owner’s share worth? As a business owner, you know how many years you have invested in your business.  Because OREI specialize in business continuation planning, we can help you answer these and other questions. Together we can develop a range of solutions to help protect your business, should something unforeseen happen down the road.

 

Employee and Executive Benefits Planning

Employee benefits are an important part of the growth of your business. Benefits such as health insurance, pension plans, group life and disability income plans make up the compensation package that helps ensure continued employee satisfaction and well-being within your company. Designing an employee benefit approach can be a complicated, technical and time-consuming matter. Working with a specialist who offers access to comprehensive employee benefit services through local and independently owned companies, provides a number of advantages, including experienced professionals with access to top providers and a wealth of benefit choices tailored to meet your business’ ever changing needs.

 

Estate Planning

You work your whole life to build your estate. You should have control over what happens to it upon your death. Building a lasting legacy takes more than simply accumulating a large portfolio. You need a solution that remains flexible enough to allow you to maintain maximum control of your assets and enjoy them during your lifetime while you prepare for the efficient transfer of those assets after you die.