Risk is an inherent part of life—the trick is to minimize unnecessary risks so that you can continue to grow and thrive while protecting the things that matter most. At Zircon Financial Services, we specialize in all aspects of risk management, helping our clients to protect their families, preserve their wealth, and ensure the continuation of their personal legacies.

Estate planning is another key element in mitigating life’s inevitable risks. The legacy you leave behind should be protected, and the best way to do that is to have a clear and well-documented estate plan. We can work alongside your estate attorney to ensure your estate plan is complete, and provide the necessary support to see that it’s carried out according to your wishes.

Risk management isn’t always about having yourself covered. Many of our clients have found themselves responsible for the care of a loved one, particularly aging parents, and that care can prove to be financially difficult for many. It’s important to plan for long-term care of your loved ones, so that you can provide them with the care that they need and deserve without straining your personal finances.

Can We Assist In Offering Employer Defined Benefit Planning?

Employee benefits planning is essential for both individuals and business owners to ensure they take advantage of available benefits, but it can be a daunting task. There are so many different options available.

The most common type of Employer Defined Benefit Plan is a pension plan.

Pensions

A pension plan is funded through contributions made by both the employer and employee and interest earned on those contributions over time.

The money in a pension plan will remain invested until it is needed for distribution to participants in the plan upon their retirement. However, there may be restrictions on when funds can be withdrawn from your account, depending on whether you have retired or not yet retired.

It can be hard to know which ones are the best for you and your family. That's where a professional advisor can help. A professional advisor will:

• Help you assess your needs and find the right benefits package for you, including Employer-Sponsored Plans, Health Insurance, Disability Insurance, and Retirement Plans.
• Help you plan for the future and ensure that you're taking advantage of all the tax breaks available to you.

Can We Assist In Offering Employee Retirement Plans?

Employer-sponsored retirement plans are a great way to save for the future. However, these plans' tax advantages and other features can be complex, so you may consider hiring a professional advisor to help you plan your retirement.

A professional advisor can assist with:

• Understanding your Options: Exploring all of your options is vital for choosing a plan that best meets your needs. We will help you learn about different plans and determine which one works best for you. Some people opt for a defined benefit plan, while others prefer a defined contribution plan such as a 401(k) or Roth IRA. Given your unique situation, a professional advisor can advise which type of plan will work best.
• Setting Up an Account: After deciding on the type of retirement plan that makes sense for you, an advisor can assist with setting up an account with the appropriate provider(s). If you have questions about how much money should be contributed each year or any other aspect of making contributions, your financial planner should be able to provide answers.
• Managing Contributions Over Time: Retirement planning takes time — and it's not always easy to stay on track with regular contributions. We can help keep track of them and keep everything updated.

Can We Assist in Employee Retirement Seminars?

There is a lot of discussion about retirement planning and business succession planning, and there are plenty of resources for people who want to do it on their own. However, many people find that they need some help, and they may turn to a financial advisor. We can give good advice, but what about retirement seminars?

We certainly can help with retirement seminars. We can provide expert advice with helpful tips on saving for retirement. In fact, we can offer a lot of value to employees who are trying to learn more about retirement planning.