Estate Planning and Life Insurance

The ZLC Insurance and Retirement Solutions division of ZLC Financial Group offers a wide range of services and products to its clients for estate planning, business planning, succession planning and tax sheltered accumulation. Our approach is to work with the client and their professional advisor to identify the principal issues and areas of financial concern. We then help to provide a variety of planning and product solutions in order to solve the problem.

Our expertise in estate planning and life insurance includes the following:

• Individual and Group Life Insurance
• Corporate Owned Life Insurance including:
  • Shareholders' Agreements
  • Insuring Capital Gains Tax
  • Key Person Insurance
• Tax Exempt Life Insurance Accumulations Plans
• Deferred Compensation Plans
• Retirement Compensation Arangements
• Disability and Critical Illness Insurance
• Health Care Funding
• Long Term Care Plans

Investment and Retirement Planning

Simply defined, retirement and investment planning should provide a blueprint to meet future financial objectives. At ZLC Financial Group, our experience and expertise allows us to develop solid financial strategies for our clients in order to obtain the greatest possible benefit from their resources.

Our approach is to create a risk profile for our client before we develop a retirement and investment strategy. By assessing our clients' total financial situation, we can provide advice on the most appropriate plans to meet long-term goals and effective strategies for minimizing taxes. As well, our independence and experience allows us to tailor the use of financial products to optimize financial results, given our clients' goals and risk tolerance.

By acting as an intermediary for our clients, we can deliver the most suitable financial products for their needs, including: