Wealth management and financial planning; for individuals and businesses.

Maximizing Financial Security Through Insurance

Tax planning is an essential part of financial management, offering numerous benefits such as reducing tax liability and maximizing financial efficiency. However, the complexity of tax laws and regulations can make it a challenging endeavor. It requires a deep understanding of various tax codes, deductions, and credits to navigate effectively.



We help you choose insurance solutions for you, your family, and your business

Insurance is a critical component of a comprehensive financial plan, designed to protect your wealth and minimize the negative consequences of a premature death, significant disability or long-term illness. Deciding on insurance is made easier with Meritrust’s Personal Insurance Solutions. Our insurance team has more than 40 years of experience in advanced insurance planning. Our team works with you to understand your goals and make recommendations for insurance options to protect you and your family at the time of your death as well as address estate liquidity needs. Insurance solutions that are right for you may include life insurance, long-term care, disability coverage or annuities. We’ll build a smart personal insurance plan that protects you from potential consequences of future life events.

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Unlocking Financial Peace: Tailored Insurance Solutions

Navigating insurance can be a maze within the world of financial management. At Meritrust Wealth Management, we help untangle the complexities, offering tailored solutions for your needs. From protecting assets to mitigating risks, we've got you covered with our expertise in insurance planning.


Gaining Clarity

We are experienced and knowledgeable in complex protection planning strategies, including:

  • Corporate-Owned Life Insurance

    Corporate-Owned Life Insurance is a strategic financial tool designed for companies seeking to protect their operations against financial losses due to the untimely death of key employees. COLI policies allow businesses to secure a financial safety net, ensuring stability and continuity in challenging times. These policies can also serve as a funding mechanism for various corporate obligations, including employee benefits programs.

  • Trust-Based Insurance Used for Estate Planning Purposes

    Trust-Based Insurance for Estate Planning offers individuals and families a sophisticated way to manage and transfer wealth efficiently. By combining the protective features of insurance with the strategic flexibility of trusts, this solution aims to preserve assets for future generations, reduce estate taxes, and provide a legacy of financial security. It's an essential tool for anyone looking to implement a comprehensive estate planning strategy.

  • Key Person Coverage

    Key-Person Coverage is designed to safeguard businesses from the financial impact associated with the loss of a crucial team member whose skills, knowledge, or leadership are irreplaceable. This coverage provides a financial cushion that can help cover the costs of finding and training a suitable replacement, compensate for lost sales, and ensure business operations continue smoothly during transitional periods.

  • Non-Qualified Deferred Compensation

    Non-Qualified Deferred Compensation plans offer a flexible, tax-efficient way for businesses to compensate and retain their top talent. Unlike qualified plans, NQDCs are not subject to contribution limits and can be customized to meet the specific needs of both the employer and the employee. This makes them an ideal solution for incentivizing long-term commitment and performance.

  • Business Continuation Coverage

    Business Continuation Coverage is essential for partners in a business to ensure its survival and smooth transition in the event of a partner's death, disability, or retirement. This coverage provides the necessary funds to buy out the departing partner's interest, preventing financial strain and conflicts among surviving partners. It's a key component of a comprehensive business succession plan.

  • Leveraged Life Insurance

    Leveraged Life Insurance is a strategic financial tool that allows policyholders to maximize the benefits of life insurance through the use of loans. By borrowing against the policy, individuals can access funds for investment opportunities or other financial needs while still maintaining the policy's benefits. This approach offers a way to grow wealth and provide for future financial security efficiently.

Let's Get Started

Interested in exploring new possibilities? Let's connect and discuss how we can collaborate on your journey. Reach out to us today – we're here to listen and guide you towards your goals.

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