{"id":443,"date":"2021-10-10T13:37:46","date_gmt":"2021-10-10T13:37:46","guid":{"rendered":"http:\/\/tbradyandassociates.com\/site\/?page_id=443"},"modified":"2023-02-22T19:43:51","modified_gmt":"2023-02-22T19:43:51","slug":"our-specialization","status":"publish","type":"page","link":"https:\/\/tbradyandassociates.com\/site\/our-specialization\/","title":{"rendered":"OUR SPECIALIZATION"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; fullwidth=&#8221;on&#8221; admin_label=&#8221;HERO&#8221; _builder_version=&#8221;4.20.0&#8243; _module_preset=&#8221;default&#8221; background_video_mp4=&#8221;https:\/\/player.vimeo.com\/progressive_redirect\/playback\/628374190\/rendition\/1080p\/file.mp4?loc=external&#038;signature=4e93f3a2a4ab4162c1ac4385d74c4a02c49f1d7b23ebfe1a99f43ffc12d2185c&#8221; background_video_pause_outside_viewport=&#8221;off&#8221; bottom_divider_style=&#8221;curve&#8221; bottom_divider_color=&#8221;#dbdcdb&#8221; bottom_divider_height=&#8221;50px&#8221; hover_enabled=&#8221;0&#8243; 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header_font_size=&#8221;44px&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1><strong>Estate Planning<\/strong><\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;BODY &#8211; Estate Planning&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;25px||||false|false&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;bottom&#8221; custom_width_px=&#8221;800px&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;BODY &#8211; Estate Planning&#8221; _builder_version=&#8221;4.19.1&#8243; header_text_align=&#8221;center&#8221; header_font_size=&#8221;44px&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>\u200bEstate Planning<\/strong> is not just about taxes. It is about deciding what is best for you and your family and making sure that the parameters for your family\u2019s continued success are in place should something happen to you. We take a comprehensive approach to planning by first understanding your overall estate planning needs and working with you and your team of advisors to determine what options are available and best suited to your unique situation. Our hope is to be a value-added resource for your planning needs, and we welcome the opportunity to share our ideas and work with your chosen counsel.<\/p>\n<p>We also specialize in analysis of appropriate wealth transfer strategies, including gifting techniques, trust funding and charitable planning. Our conversations always revolve around educating and counseling our clients and their advisors on the best options for them.<\/p>\n<p>If you have an estate plan already in place, it is imperative to stay up to date with the latest tax law and insurance changes so you can fully optimize your plan and available options. <a href=\"https:\/\/tbradyandassociates.com\/site\/our-specialization\/#CONTACT\">Contact us<\/a> if you would like greater confidence in your current plan through a full review and evaluation of your current estate planning situation.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|130px||130px|false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|false&#8221; custom_padding_phone=&#8221;|0px|||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; 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Tax Planning<\/span><\/h4>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/tbradyandassociates.com\/site\/wp-content\/uploads\/2021\/11\/site_images_sq_1500X1500_icon-03.png&#8221; title_text=&#8221;site_images_sq_1500X1500_icon-03&#8243; align=&#8221;center&#8221; admin_label=&#8221;IMAGE: Intra-Family Lending &#8221; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;150px&#8221; border_radii=&#8221;on|50%|50%|50%|50%&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;TEXT: Intra-Family Lending &#8221; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; header_4_text_align=&#8221;center&#8221; text_orientation=&#8221;center&#8221; width=&#8221;150px&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4><span class=\"et-fb-editable-element et-fb-editable-element__editing\" contenteditable=\"true\" data-shortcode-id=\"1.5.0.2-1642180144711\">Intra-Family Lending <\/span><\/h4>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/tbradyandassociates.com\/site\/wp-content\/uploads\/2021\/11\/site_images_sq_1500X1500_icon-06.png&#8221; title_text=&#8221;site_images_sq_1500X1500_icon-06&#8243; align=&#8221;center&#8221; admin_label=&#8221;IMAGE: Insurance as an Asset Class&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; width=&#8221;150px&#8221; border_radii=&#8221;on|50%|50%|50%|50%&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;TEXT: Insurance as an Asset Class&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; header_4_text_align=&#8221;center&#8221; text_orientation=&#8221;center&#8221; width=&#8221;150px&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4><span class=\"et-fb-editable-element et-fb-editable-element__editing\" contenteditable=\"true\" data-shortcode-id=\"1.5.0.2-1642180144711\">Insurance as an Asset Class<\/span><\/h4>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|130px||130px|false|false&#8221; custom_padding_tablet=&#8221;|0px||0px|false|false&#8221; custom_padding_phone=&#8221;|0px|||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/tbradyandassociates.com\/site\/wp-content\/uploads\/2022\/11\/site_images_sq_1500X1500_icon-06b.png&#8221; title_text=&#8221;site_images_sq_1500X1500_icon-06b&#8221; align=&#8221;center&#8221; admin_label=&#8221;IMAGE: Private Placement Insurance&#8221; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;150px&#8221; border_radii=&#8221;on|50%|50%|50%|50%&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;TEXT: Private Placement Insurance&#8221; _builder_version=&#8221;4.19.1&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#555555&#8243; text_font_size=&#8221;11px&#8221; text_line_height=&#8221;1.3em&#8221; header_4_text_align=&#8221;center&#8221; header_4_font_size=&#8221;17px&#8221; text_orientation=&#8221;center&#8221; width=&#8221;150px&#8221; module_alignment=&#8221;center&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4><span class=\"et-fb-editable-element et-fb-editable-element__editing\" contenteditable=\"true\" data-shortcode-id=\"1.5.0.2-1642180144711\">Private Placement Insurance<\/span><\/h4>\n<p>Offered through <br \/>The Leaders Group<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; 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parallax=&#8221;on&#8221; parallax_method=&#8221;off&#8221; bottom_divider_style=&#8221;curve&#8221; bottom_divider_color=&#8221;RGBA(0,0,0,0)&#8221; bottom_divider_height=&#8221;50px&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;HDR &#8211; Business Planning&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;25px||0px||false|false&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;bottom&#8221; custom_width_px=&#8221;800px&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;HDR &#8211; Business Planning&#8221; _builder_version=&#8221;4.16&#8243; header_text_align=&#8221;center&#8221; header_font_size=&#8221;44px&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1><strong>Business Planning<\/strong><\/h1>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;BODY &#8211; Business Planning&#8221; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;25px||0px||false|false&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;bottom&#8221; custom_width_px=&#8221;800px&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;BODY &#8211; Business Planning&#8221; _builder_version=&#8221;4.16&#8243; header_text_align=&#8221;center&#8221; header_font_size=&#8221;44px&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]There are a number of situations where life insurance can be a useful tool in protecting your business. Whether your business is a start-up, a well-established third-generation family business, or a growing company poised for an IPO, properly structured life insurance planning can be a simple solution to complex problems. We frequently meet with business owners to discuss how their business fits into their overall estate plan, and the types of strategies that should be considered to protect their most valuable asset, including:<br \/>\n[\/et_pb_text][et_pb_text admin_label=&#8221;SPACER&#8221; _builder_version=&#8221;4.19.0&#8243; header_text_align=&#8221;center&#8221; header_font_size=&#8221;44px&#8221; max_width=&#8221;80%&#8221; module_alignment=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_4,1_4,1_4,1_4&#8243; disabled_on=&#8221;off|off|off&#8221; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_margin_tablet=&#8221;||15px||false|false&#8221; custom_margin_phone=&#8221;||15px||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/tbradyandassociates.com\/site\/wp-content\/uploads\/2022\/11\/site_images_sq_1500X1500_icon-BP-01b.png&#8221; title_text=&#8221;site_images_sq_1500X1500_icon-BP-01b&#8221; align=&#8221;center&#8221; admin_label=&#8221;IMAGE: Succession Planning &#038; Buy-Sell Agreements&#8221; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;150px&#8221; border_radii=&#8221;on|50%|50%|50%|50%&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;TEXT: Succession Planning &#038; Buy-Sell Agreements&#8221; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; header_4_text_align=&#8221;center&#8221; text_orientation=&#8221;center&#8221; width=&#8221;150px&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4><span class=\"et-fb-editable-element et-fb-editable-element__editing\" contenteditable=\"true\" data-shortcode-id=\"1.5.0.2-1642180144711\">Succession Planning &amp; <br \/>Buy-Sell Agreements<\/span><\/h4>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/tbradyandassociates.com\/site\/wp-content\/uploads\/2022\/11\/site_images_sq_1500X1500_icon-BP-02b.png&#8221; title_text=&#8221;site_images_sq_1500X1500_icon-BP-02b&#8221; align=&#8221;center&#8221; admin_label=&#8221;IMAGE: Key Person Coverage&#8221; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;150px&#8221; border_radii=&#8221;on|50%|50%|50%|50%&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;TEXT: Key Person Coverage&#8221; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; header_4_text_align=&#8221;center&#8221; text_orientation=&#8221;center&#8221; width=&#8221;150px&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;||||false|false&#8221; 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_module_preset=&#8221;default&#8221; header_4_text_align=&#8221;center&#8221; text_orientation=&#8221;center&#8221; width=&#8221;150px&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4><span class=\"et-fb-editable-element et-fb-editable-element__editing\" contenteditable=\"true\" data-shortcode-id=\"1.5.0.2-1642180144711\">Non-Qualified Deferred Compensations<\/span><\/h4>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/tbradyandassociates.com\/site\/wp-content\/uploads\/2022\/11\/site_images_sq_1500X1500_icon-BP-04b.png&#8221; title_text=&#8221;site_images_sq_1500X1500_icon-BP-04b&#8221; align=&#8221;center&#8221; admin_label=&#8221;IMAGE: Supplemental Executive Retirement Plans {SERPS)&#8221; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; 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text_orientation=&#8221;center&#8221; width=&#8221;150px&#8221; module_alignment=&#8221;center&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h4><span class=\"et-fb-editable-element et-fb-editable-element__editing\" contenteditable=\"true\" data-shortcode-id=\"1.5.0.2-1642180144711\">Executive Bonus Arrangements<\/span><\/h4>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/tbradyandassociates.com\/site\/wp-content\/uploads\/2022\/11\/site_images_sq_1500X1500_icon-BP-06b.png&#8221; title_text=&#8221;site_images_sq_1500X1500_icon-BP-06b&#8221; align=&#8221;center&#8221; admin_label=&#8221;IMAGE: ESOP Repurchase Liability&#8221; _builder_version=&#8221;4.19.0&#8243; _module_preset=&#8221;default&#8221; width=&#8221;150px&#8221; border_radii=&#8221;on|50%|50%|50%|50%&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text admin_label=&#8221;TEXT: ESOP Repurchase Liability&#8221; 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Significant changes across the insurance industry over the past few years have created highly competitive pricing, better products and enhanced opportunities. Changes to interest rates have also caused existing policies to underperform based on what was originally illustrated.<\/p>\n<p>Whether a policy is owned by the insured or by a trustee on behalf of trust beneficiaries, the policy should be viewed as an important asset in a client\u2019s comprehensive planning portfolio. In many cases, policy reviews uncover several areas where improvements can be made that will benefit the client and their families. Changes in medical history, life expectancy, insurance company, products being offered in the market, preventative care, and risk level create an environment where policy modifications may result in <strong>reduced premium payments, greater death benefit and\/or more certain death benefit<\/strong>.<\/p>\n<p>Whether you are an individual owner of a policy with a desire to protect your investment and your family, or a trustee with a fiduciary responsibility to both the settlor of the trust and the trust beneficiaries, a policy review will keep you informed and prepared to make the necessary decisions regarding the maintenance of the policy. 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parallax_method=&#8221;off&#8221; top_divider_style=&#8221;curve&#8221; top_divider_color=&#8221;#ffffff&#8221; top_divider_height=&#8221;50px&#8221; top_divider_flip=&#8221;vertical&#8221; global_module=&#8221;335&#8243; saved_tabs=&#8221;all&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;4&#8243; admin_label=&#8221;FOOTER &#8211; LOGO&#8221; _builder_version=&#8221;4.16&#8243; width=&#8221;100%&#8221; custom_padding=&#8221;50px||0px||false|false&#8221; width_unit=&#8221;off&#8221; custom_width_percent=&#8221;100%&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.16&#8243; 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_module_preset=&#8221;default&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;Text &#8211; FOOTER CONTACT INFO&#8221; _builder_version=&#8221;4.19.4&#8243; link_text_color=&#8221;#FFFFFF&#8221; background_layout=&#8221;dark&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Boston Office<\/strong><br \/>180 Canal Street, Suite 502<br \/>Boston, MA 02114<br \/>Phone: 617-266-0019<br \/>Fax: 617-266-0087<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text disabled_on=&#8221;off|off|off&#8221; admin_label=&#8221;Text &#8211; FOOTER CONTACT INFO&#8221; _builder_version=&#8221;4.19.0&#8243; link_text_color=&#8221;#FFFFFF&#8221; background_layout=&#8221;dark&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>San Francisco Office<\/strong><br \/>120 N. El Camino Real<br \/>San Mateo, CA 94401<br \/>Phone: 650-347-0276<br \/>Fax: 650-347-6078<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Text &#8211; FOOTER CONTACT INFO&#8221; _builder_version=&#8221;4.19.0&#8243; link_text_color=&#8221;#FFFFFF&#8221; background_layout=&#8221;dark&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>New York<\/strong><br \/>112 W. 34th Street<br \/>Suite 1700<br \/>New York, NY 10120<br \/>Phone: 212-946-4784<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; _builder_version=&#8221;4.16&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Text &#8211; FOOTER CONTACT INFO&#8221; _builder_version=&#8221;4.19.0&#8243; link_text_color=&#8221;#FFFFFF&#8221; background_layout=&#8221;dark&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Grand Rapids<\/strong><br \/>171 Monroe Avenue NW, Suite 800<br \/>GrandRapids, MI 49503<br \/>Phone: (616) 719- 5007<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;FOOTER &#8211; DISCLOSURE&#8221; _builder_version=&#8221;4.18.0&#8243; background_color=&#8221;RGBA(0,0,0,0)&#8221; background_image=&#8221;https:\/\/tbradyandassociates.com\/site\/wp-content\/uploads\/2021\/06\/site_images_lrg_1920x1200_FTR_01C.jpg&#8221; parallax=&#8221;on&#8221; parallax_method=&#8221;off&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_module=&#8221;340&#8243; saved_tabs=&#8221;all&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;DISCLOSURE&#8221; _builder_version=&#8221;4.18.0&#8243; background_size=&#8221;initial&#8221; background_position=&#8221;top_left&#8221; background_repeat=&#8221;repeat&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.16&#8243; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221; custom_padding__hover=&#8221;|||&#8221;][et_pb_text admin_label=&#8221;Text &#8211; FOOTER DISCLOSURE&#8221; _builder_version=&#8221;4.19.1&#8243; text_font=&#8221;|300||on|||||&#8221; text_text_color=&#8221;#f4f4f4&#8243; text_font_size=&#8221;11px&#8221; text_line_height=&#8221;1.6em&#8221; link_text_color=&#8221;#ffffff&#8221; text_orientation=&#8221;justified&#8221; background_layout=&#8221;dark&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Securities Offered Through Valmark Securities, Inc. Member <a href=\"https:\/\/www.finra.org\/\" target=\"_blank\" rel=\"noopener noreferrer\">FINRA<\/a>, <a href=\"https:\/\/www.sipc.org\" target=\"_blank\" rel=\"noopener noreferrer\">SIPC<\/a> 130 Springside Drive, Suite 300, Akron, Ohio 44333-2431, T. 1.800.765.5201\u00a0<strong>Thomas Brady &amp; Associates<\/strong> is a Separate Entity From Valmark Securities, Inc.\u00a0Neither <strong>Thomas Brady &amp; Associates<\/strong> nor Valmark Securities, Inc. provides legal or tax advice.<\/p>\n<p>To the extent any material on this website (including any attachments) concerns tax matters, it is not intended or written to be used, and cannot be used, for the purpose of (i) avoiding penalties under the Internal Revenue Code or (ii) promoting, marketing or recommending to another party any transaction or matter addressed within.<\/p>\n<p>Any publication or other material on this website is for informational purposes and does not contain or convey legal advice. The information herein should not be used or relied upon in regard to any particular facts or circumstances without first consulting a lawyer.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Estate Planning \u200bEstate Planning is not just about taxes. It is about deciding what is best for you and your family and making sure that the parameters for your family\u2019s continued success are in place should something happen to you. We take a comprehensive approach to planning by first understanding your overall estate planning needs and working with you and your team of advisors to determine what options are available and best suited to your unique situation. Our hope is to be a value-added resource for your planning needs, and we welcome the opportunity to share our ideas and work with your chosen counsel. We also specialize in analysis of appropriate wealth transfer strategies, including gifting techniques, trust funding and charitable planning. Our conversations always revolve around educating and counseling our clients and their advisors on the best options for them. If you have an estate plan already in place, it is imperative to stay up to date with the latest tax law and insurance changes so you can fully optimize your plan and available options. Contact us if you would like greater confidence in your current plan through a full review and evaluation of your current estate planning situation.Estate [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":2,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"<!-- wp:paragraph -->\r\n<p>This is an example page. 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