Optimal Employee Solutions

Health Insurance and Benefits
We are providing our customers with personalized services for quality personal, commercial employee benefits, packages and insurance programs.




Long Term Disability 
1 out of 4 people will need some form of disability payments before the age of 65. We offer individual and group disability insurance.




Long Term Care Options                                           
Do you know how much one year at a nursing home costs today? We have a full range of LTC options from the AARP endorsed provider. 





Retirement Planning 
From individual retirement accounts to defined contribution and benefit plans. We help individuals and business owners to build secure financial future.^




College Savings  
Getting into college is hard work, paying for it doesn't have to be. Plan ahead and let the time work for you and your family. We offer all available options from 529 plans to custodian accounts.




Build a Full Financial Plan 
People do not plan to fail, they fail to plan. Your customized plan will cover all financial aspects of your life from Family Protection to College Savings to Retirement. #




Life Insurance                                      
Are you confused about life insurance? We will educate you on all aspects of life insurance and find the best solution for you.*




*Policy loans will accrue interest. Any outstanding loans plus interest will reduce the cash value and death benefit of the policy.

^Guarantees are backed by the claims-paying ability of the issuer.

#Securities products and services are offered through NYLIFE Securities LLC (Member FINRA/SIPC), a Licensed Insurance Agency.

1Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation)

2Early withdrawals may incur charges. In addition to paying income taxes that may be due, distributions from annuities before age 591/2 may also be subject to a 10% federal tax penalty.

3Products available through one or more carriers not affiliated with New York Life, dependent on carrier authorization and product availability in your state or locality.


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