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Services

At Heller & Kaufman, we offer a comprehensive range of financial services designed to protect your wealth, guide your investments, and secure your financial future. Our approach is rooted in a deep commitment to safeguarding what matters most—your income, assets, and legacy. Here’s an overview of the services we provide:

Risk & Protection Analysis

At Heller & Kaufman, protecting your financial future starts with a thorough analysis of the risks you face. Our Risk & Protection Analyses cover Temporary and Permanent Life Insurance, as well as Disability and Long-Term Care Insurance.

Temporary and Permanent Life Insurance

We help you discover the need, the amount, and the type of life insurance that best fits your situation, as well as addressing liquidity needs like an emergency fund.

Disability Insurance

We protect your income by recommending the right level of disability coverage, ensuring that you and your family can maintain your lifestyle even if you're unable to work.

Long-Term Care Insurance

We assess your needs to recommend long-term care insurance that covers future care costs, protecting your savings and ensuring you receive the necessary care without burdening your family.

Cash Flow Analysis

For successful small businesses facing unique risks not easily covered in the general marketplace, we assist in understanding and facilitating captive insurance solutions. 

  • We help you discover the need, the amount, and the type of life insurance that best fits your situation, as well as addressing liquidity needs like an emergency fund.

    • Temporary (Term) Life Insurance: Provides affordable coverage for a set period, ideal for covering temporary needs like income replacement or paying off a mortgage.
    • Permanent (Whole) Life Insurance: Offers lifelong coverage with a savings component, useful for long-term financial planning, estate preservation, building a legacy, and meeting liquidity needs such as creating an emergency fund.

    Our analysis ensures you have the right mix of coverage to meet both short-term needs, including liquidity, and long-term goals.

  • We protect your income by recommending the right level of disability coverage, ensuring that you and your family can maintain your lifestyle even if you're unable to work.

  • We assess your needs to recommend long-term care insurance that covers future care costs, protecting your savings and ensuring you receive the necessary care without burdening your family.

  • For successful small businesses facing unique risks not easily covered in the general marketplace, we assist in understanding and facilitating captive insurance solutions. By working with specialized providers, we help you navigate this complex option, ensuring that your business can manage its specific risks in a more controlled, cost-effective, and tax-efficient manner.

Retirement Planning

Retirement should be a time of financial freedom and peace of mind. Our retirement planning services focus on helping you accumulate the wealth you need to enjoy your retirement years comfortably. We assist clients, particularly small business owners, in establishing and maintaining both qualified and non-qualified retirement plans.

Our comprehensive approach ensures that your retirement strategy includes the right mix of qualified and non-qualified plans, aligned with your financial goals and providing the peace of mind you deserve.

  • We help you navigate options like 401(k), SEP IRA, and defined benefit plans, ensuring these plans are tailored to your specific needs and goals. These plans provide tax advantages and are essential tools for building a secure retirement.

  • We also guide you through non-qualified options, such as annuity plans, which offer additional flexibility and benefits. These plans can be customized to suit your retirement strategy, providing another layer of financial security.

Investment Planning and Asset Management

Investment Planning and Asset Management

At Heller & Kaufman, we understand that as a business owner, you are fully invested in running and growing your business. Our Investment Planning and Asset Management services are designed to take the complexities of the stock and equity markets off your plate, allowing you to focus on what you do best while ensuring your wealth is working for you.

We start by educating you on the fundamentals of investing and the benefits of building a portfolio that generates passive income. Our team works closely with you to establish a tailored investment strategy that aligns with your financial goals, risk tolerance, and long-term plans.

Once your strategy is in place, we manage your assets with ongoing attention and expertise. We continuously monitor your portfolio, making adjustments as needed to ensure it remains aligned with market conditions and your evolving objectives. Our goal is to help you build and preserve wealth through smart, strategic investments that provide both growth and income.

Whether you’re looking to diversify your holdings, increase your passive income, or simply make your money work harder for you, we guide you every step of the way, ensuring your financial future is secure.

Succession Planning

At Heller & Kaufman, we understand that succession planning is essential for both your personal and business legacy. Our services are designed to ensure that your wealth and business are transferred smoothly and according to your wishes, with special attention to the unique needs of our clients.

  • We focus on estate planning through wills and trusts, with particular expertise in aligning these plans with halachic (Jewish law) requirements. This is especially important for Orthodox Jewish clients, as it ensures that all children receive an equal share of the estate.

    We collaborate with a group of experienced attorneys to draft estate planning documents that meet both legal and religious standards, providing you with peace of mind that your wishes will be honored.

  • For business owners, succession planning is critical to ensuring the continuity and success of your business after you step down. We offer comprehensive business succession planning services, including:

    • Exit Planning: We help you develop a strategy for exiting your business, whether through retirement, sale, or transfer to a successor.
    • Buy-Sell Agreements: These agreements protect your business by outlining the terms under which an owner’s share of the business may be sold or transferred.
    • Operating Agreements: We assist in drafting and maintaining operating agreements that define the business structure, roles, and responsibilities, ensuring smooth operations during transitions.

Our succession planning services provide a holistic approach to securing both your personal and business legacies, tailored to your specific needs and aligned with your values.

Get In Touch

No matter where life takes you, we’re here to ensure your financial success. We invite you to contact us for a consultation or to learn more about how we can help you achieve your financial goals. Welcome to the Heller & Kaufman family.

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