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At PlanningWorks, our team works cooperatively with our clients’ other advisors, such as attorneys and accountants, to find the best strategies to each client’s financial problems or concerns. Our clients’ goals and interests always come first, and we find satisfaction in providing them with confidence regarding their business and financial lives.
Insurance is no longer only about PROTECTION – but also RETIREMENT. In the past, when riskier alternatives promised higher returns, insurance was used primarily for financial protection against foreseeable events like death, disability, and health care expenses. As those alternatives have proved much riskier than believed, many have refocused on the lifetime financial benefits of insurance as a retirement planning vehicle. Insurance is now seen as being an essential and proactive part of every financial portfolio. Insurance is helpful in getting to the end comfortably, not just for the end itself.
We help crystallize your goals and take action to get there. We protect what’s important to you and your family on a tax-favored basis, while ensuring you do not outlive your income.
At PlanningWorks, our role is to provide the foundation, through insurance, for families and businesses to maintain and grow their savings and businesses. Through careful investigation of needs and resources, and ongoing review, we assemble the building blocks for clients to live comfortably, and without worry.
Karuna D. Moyers is the President and Founder of PlanningWorks, based in Chicago, Illinois. Karuna focuses on advising high-net-worth families and privately-owned businesses across a variety of industries. The objective of this advice is to identify both the most appropriate insurance- and annuity-based financial strategies and the most efficient means of structuring these vehicles.
One particular aspect of Karuna’s experience involves assisting business owners in finding financial strategies to provide required employee benefits at the lowest available cost. Karuna also assists business owners in designing benefits packages to maintain key employees cost effectively.
*Guardian, its subsidiaries, agents and employees do not give tax, legal, or accounting advice or, aside from providing general information material, offer guidance on the establishment or use of captive insurance companies. Clients should consult their own tax and legal advisers with respect to establishing and structuring captive insurance companies. Guardian agents, representatives and employees are prohibited from receiving any compensation in connection with the establishment or structuring of captive insurance companies, including referral fees.**Pension maximization is a financial strategy that has the potential to increase retirement income by combining the benefits of permanent life insurance with aspects of a defined benefit pension plan, particularly in cases where the pension participant may choose between a Life Only benefit and a Joint and Survivor benefit, which pays a benefit for as long as the plan participant or a surviving spouse lives.