The word "quintessential" means something in its purest and most concentrated form.  We think it fits who we are and how we approach our business.  The commitment to provide quality service and creative solutions to our client's needs is the keystone philosophy which has brought us together.  We strive to make sure you have all the information necessary to make competent and informed decisions.  Creativity and thoroughness, with an eye to the bottom line, are our goals with every solution.  Through consistent effort and a reputation for integrity, Quintessential Advisors has built a solid base of satisfied clients who have highly recommended us to their friends and colleagues.

Quintessential Advisors is an independent firm with experienced financial professionals specializing in Insurance, Investments, and Employee Benefits.  We are proud to be a member of PartnersFinancial, a national organization of more than 400 firms throughout the country representing some of the best and brightest financial professionals.  Contact us regarding any of your insurance and investment needs.

What are the better strategies for corporations to:

• Prepare for leadership and financial contingencies?
• Balance cost and appreciation of fringe benefits?
• Maximize the value of retirement plan benefits?
• Combat erosion of executive benefits?
• Liquidate corporate owned life insurance policies for
  more than their cash surrender values?*

What are the better strategies for family businesses to:

• Help secure the future for the companies they have built?

What are the better strategies for affluent individuals to:

• Protect financial achievement and help assure long term goals?
• Sell their old life insurance policies instead of surrendering them?*

 

*Investors should consult with their own professional advisor regarding the potential tax, estate, and legal considerations that may arise in connection with entering into a life settlements transaction. Proceeds from a life settlement transaction may be taxable under federal or state law to the extent the proceeds exceed the cost basis. The proceeds from a life settlement transaction may be subject to claims of creditors. The receipt of proceeds from a life settlement transaction may adversely impact eligibility for government benefits and entitlements.  The amount received for the sale of the Policy may be impacted by the circumstances of the particular purchaser of the Policy, the insured’s life expectancy, future premiums, the death benefit, the terms of the Policy, and the current market for insurance policies, among other factors. The amount received for the sale of the Policy may be more or less than what others might receive for the sale of a similar policy. There may be high fees associated with the sell of a Life settlement.

What are the better strategies for affluent families to:

• Control the value of their legacy over generations?

We can help you get the answers you need