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Our Solutions
Through DH Financial & Insurance Services we make available the appropriate financial vehicles necessary to implement the plans and to take appropriate steps to reduce risk exposures, coordinate clients' existing insurance and other financial assets, and integrate new products in a systematic plan.
We offer clients a review of the following product needs:
Private Asset Management Planning
With our registered investment advisory firm, Eagle Strategies LLC, we are assured of independence in the establishment of portfolio management opportunities for our clients. We have developed a multi-tiered approach which provides access to top-tiered investment management professionals, tailored portfolios to meet your specific needs, broad asset allocation, consolidated, independent reporting and an efficient and a competitive fee structure. Today, we provide access to investment platforms that were once only available to the largest institutions. Our relationships span the globe and include the following premier asset management alliances:
Brinker Capital – the oldest and most experienced independent provider of managed account investment programs in the country.
Independent Portfolio Consultants – provides access to many of the top private investment management organizations in the country offering truly customized, tax-efficient investment solutions for our clients.
Loring Ward – A "Structured Investing philosophy" combining more than eight decades of market data, Nobel Prize-winning academic research and the latest discoveries in behavioral finance.
Morningstar/Ibbotson – A leading authority on asset allocation with expertise in capital market expectations and portfolio implementation.
Through NYLIFE Securities LLC. member FINRA/SIPC, we have access to brokerage accounts and individual mutual fund purchases from some of the leading mutual fund families such as:
American Funds
Franklin Templeton
Calvert Funds
Oppenheimer Funds
The process involves, but is not limited to, the following important stages:
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Setting investment objectives
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Developing an asset allocation strategy
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Evaluating/Selecting investment vehicle
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Portfolio review – Ongoing portfolio monitoring
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Liquidity and Insurance Planning
In those circumstances where our client's plan indicates a need or desire for liquidity to address an array of funding issues such as disability and/or income protection for the family's security, fund business succession plans, key employee plans, estate tax liquidity needs, capital for long-term care planning, or to fulfill a charitable legacy, we arrange access to a number of the world's premier life, disability, and long-term care insurance companies. Our insurance acquisition protocol assures independent access and selection from start to finish.
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529 Higher Savings Education Plan*
Through NYLIFE Securities LLC. member FINRA/SIPC, we also have available 529 college savings programs that allows families to save for future qualified higher education expenses on a tax-advantaged basis.
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Annuities
We offer access to both deferred and income annuities. An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump-sum of money into a guaranteed stream of income payments.
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Deferred Annuities offer the advantage of tax-deferral and can be used to accumulate money for retirement.
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Income annuities are used to generate a stream of income payments that is guaranteed to last for as long as you need it to – even for the rest of your life. It is designed to provide you with predictable income monthly, quarterly, semi-annually or annually, no matter how long you live, and regardless of how the financial markets perform.
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Retirement Plans for Businesses*
Finding the best solution to a retirement plan depends on many business variables, such as the firm’s objectives, its profitability, the owners’ budget, and the number and types of employees. What’s more, the decision necessarily involves at least three different entities: the owner(s), a third party administrator, and an investments specialist.
DH Financial & Insurance Services has had over thirty years experience in serving our clients needs in this arena. We will function as a liaison between the firm, the financial services vendor and the third party administrator.
Our process begins with a detailed fact finding interview, in order to determine the goals and objectives of the owners, including a current census of employees. Then, together with a TPA, a plan will be analyzed to match the firm’s needs, and an appropriate investment platform identified.
Often, a firm will already have a plan, but the owners are dissatisfied for any of a number of reasons. We can assist in amending the plan to bring it in line with the firm’s objectives, or possibly change the firm’s investment platform.
Finally, some firms will decide that a “tax qualified” retirement plan is too restrictive or in some way inappropriate. We can often devised a “non-qualified,” or “Top Hat program,” which will benefit a select group of employees.
Designing the best business retirement plan can be an extremely involved process and one that requires specialists. DH Financial & Insurance Services can provide the framework to assist our business clients in accomplishing their objectives.
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*Securities offered through NYLIFE Securities LLC (Member FINRA/SIPC)
**DH Financial & Insurance Services is a separate entity that provides financial products (i.e. insurance vehicles)
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