Renaissance Financial

Products And Services

• Personal Services

  Today’s financial terrain has grown more challenging, and it helps to have a trusted partner who can guide you. At Renaissance Financial, we believe a well-rounded financial strategy is crucial in this ever-changing market. We will help you identify your goals, map the course to get there, and walk alongside you as we implement the strategies, with follow-up and reviews throughout the entire journey. As a full service provider we give you the tools, insights and customized financial strategies to help turn your goals into reality.

• Investment Strategies

  Are you just getting started, or are you a long-term investor who is looking to fine tune your investment strategy? Do you need help building your portfolio or managing your funds? Have you experienced a major life event and need help reevaluating your financial goals? Whether you are a young investor in your 20’s or a senior well into retirement, you will find the guidance and insight you need at Renaissance Financial. Our Investment Advisory team works with our financial advisors to provide high quality service. Your financial situation is unique, and our team of experts can help you customize a strategy that meets your goals. Build the future you want with Renaissance.

• Retirement Strategies

  Envision your future. Is it in line with your current situation? Do adjustments need to be made in order for your vision to become a reality? At Renaissance Financial, we can help you set the coordinates for a secure retirement strategy, keeping your dreams on course. Once we have your retirement strategy in place, we can help manage things going forward, allowing for any challenges or changes of heart along the way. Knowing that all of your finances are in order can give you a sense of security so that you can spend less time worrying and more time doing the things you love.

• Estate Planning

  Sound estate planning is an important piece of your overall investment strategy. It is a personal, intricate and often overwhelming process. At Renaissance we help you navigate the path so that your future and family are not left to chance. Together we can determine your estate planning goals and actively work with your estate planning attorney to develop the strategies that will help meet your needs. We understand that documents like trusts and wills could never replace memories. But what they can do is help design a legacy that reflects your dreams and your values while protecting your loved ones according to your wishes.

• Term Life Insurance

  1. Coverage lasts for a specific period of time and is often the simplest and most affordable insurance option. 2. Premiums will not increase over the course of the term. 3. It generally provides the largest immediate death benefit at the lowest cost. 4. If your needs change, you may have the option to convert your coverage to a permanent life insurance policy that will last a lifetime. 5. Term life insurance can help your family by covering funeral and final expenses, paying off debts like a mortgage or loans, or assisting with child care and college expenses.

• Permanent Life Insurance

  1. Coverage provides a lifetime of financial protection that you can count on. 2. Permanent life insurance offers tax-advantaged cash value that builds over time. 3. Cash can be used for emergencies or as supplemental retirement income. 4. Premiums can either remain fixed or be adjusted based on your budget changes. 5. There are a wide array of options and coverage to help meet your family’s unique needs. 6. Ensure a secure future for those who are financially dependent on you.

• Disability Insurance

  1. Provides replacement income if you are unable to work due to illness or injury 2. Offers short-term or long-term coverage options depending on your needs 3. Can help meet your expenses like food, utilities, mortgage and car payments 4. Helps to maintain your standard of living 5. Gives you financial security until you can get back on your feet and return to work

• Long Term Care Insurance

  1. Provides support and resources to help cover the costs of necessary medical or personal care services that are not covered by your regular health insurance 2. Helps protect your assets and your independence, giving you control over how and where you receive long term care

• Corporate Services

  At Renaissance Financial, we help you manage your employee benefit plans with confidence by providing expert guidance and hands-on, personal service. As a plan sponsor, you face a number of critical responsibilities. We understand those challenges and are here to help with customized benefit programs that are attractive to your associates and cost-effective for you. We take the time to analyze your current employee benefits, including 401(k), profit Sharing, SEP, 403b, Keogh, Simple IRA, Deferred Compensation and Defined Benefit/Cash Balance Plans, Group Medical, Life, Vision, Dental, Short and Long-term Disability and Long-term Care Insurance. These programs encompass investment strategies, insurance, retirement and estate planning with the goal of minimizing taxes wherever possible. In addition to reviewing your benefits package on an annual basis, specialists will meet with employers and employees to review plan designs, answer questions, and provide general education to plan participants as needed. To learn more about Employee Benefits Division please click here.

• Group Benefits Department

  An integral piece of any effective financial strategy must include preparing for the unexpected. At Renaissance Financial, you have access to a number of providers, as well as a team of specialists ready to assist you in determining the employee benefits package that suits your needs. We help make sure that you have the appropriate Group Medical, Life, Dental, Vision, Short and Long-term Disability, and Long-term Care Insurance in place.

• Retirement Department

  The foundation of a successful retirement plan begins with a design that offers real value to your employees, meeting both their current and future needs. Our team will review your current retirement plan, including 401(k), Profit Sharing, SEP, Keogh, Simple IRA, Deferred Compensation and Defined Benefit/Cash Balance Plans. We assess which approach best serves your employees’ interests as well as your objectives and recommend design changes to help satisfy everyone’s needs.