The CIP Group is committed to the Financial Planning Process. We seek to understand our client’s goals and then guide them in their financial decisions. These areas of analysis include:

• Cash Flow • Risk Management
	- Life Insurance - Long Term Care Insurance - Disability Insurance
• Investments
	- 401(k), IRAs and all retirement plans - Non-retirement accounts
• Estate Planning • Tax Planning

Estate Planning
People work a lifetime to achieve financial security. The CIP Group works with clients to protect and preserve wealth during the estate planning process.

Utilizing a variety of financial tools, The CIP Group provides comprehensive, customized plans that help clients minimize estate shrinkage due to estate and gift taxes. Custom strategies for building net worth and managing risk include estate liquidity planning and charitable estate planning.

Beyond The CIP Group’s wealth of experience, our consultants commit to continuing education, making them uniquely suited to provide comprehensive solutions now and in the years to come.

Investment Management
The CIP Group understands how to build net worth and manage risk. Whether the goal is funding an active retirement or providing for their family’s financial future, The CIP Group works with clients to develop customized investment strategies and long-term investment objectives.

Successful individuals and families demand a comprehensive approach to investment planning and portfolio management. Working in partnership with clients, The CIP Group develops investment strategies that reflect clear investment objectives. Issues ranging from risk tolerance and cash flow are carefully considered in every planning process, ensuring the appropriate plan for every client.

Personal Insurance
The CIP Group understands risk management. We work individually with clients to understand the complexity of their needs and financial risks. To help protect against life’s uncertainties and provide peace of mind, The CIP Group offers an integrated line of personal insurance products including:

• Life Insurance
• Long Term Care Insurance
• Disability Insurance

Complete Wealth Management
CIP Executive Resources has developed a comprehensive and proven approach to meeting the personal wealth management needs of executives, key employees and their families. We use our experience to help each executive gain an accurate picture of his or her current wealth management situation.

Through working with CIP Executive Resources, executives gain a better understanding of their overall situation and become more knowledgeable about their own objectives. In short, they become more confident about their entire wealth management planning. They also gain the foundation to create a comprehensive plan – one that takes a strategic look at risk, reward, time horizon, liquidity needs, inter-generation planning, tax issues and other considerations.

Business Continuity Planning
Determining the next generation of a company’s ownership is the most important decision any businessperson will ever make. Far too often, business people neglect to plan for the orderly succession of a business.

To develop orderly business succession plans for clients, The CIP Group looks at more than the bottom line. It analyzes a variety of issues to ensure that the client’s business succession plan addresses the tough questions and complex issues.

The CIP Group understands the many complex issues that arise from Business Continuity Planning. Family ties, qualifications of an executive team, and preservation of existing assets for future generations are some of the complicated issues that must be addressed before a company can decide what will occur in the event of an owner’s death or retirement.

The CIP Group’s successful business succession planning process addresses everything from potential family conflicts to matters of liquidity for the buyout of a partner’s share. The CIP Group helps clients tackle the tough questions by using tools such as buy-sell agreements, key person insurance and disability income insurance.

Through these and other tools, The CIP Group helps clients avoid disaster in the event of an owner’s sudden death or disability. With the help of The CIP Group, clients develop orderly business succession plans that help protect the long-term future of a company.