Services

Every plan, one purpose.

Protection, growth and preservation for American families and the businesses they build.

Estate Planning

Estate planning is more than drafting a will. It’s peace of mind today — and the certainty that your hard-earned assets, your children and your final wishes are fully protected tomorrow.

Avoid probate

Spare your family the stress, delays and high costs of probate.

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Plan for incapacity

Decide in advance who acts for you — and how — if you can’t.

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Protect your children

Name guardians and safeguard what you’ve built for them.

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Clear instructions

Leave unmistakable direction for the future, in your own words.

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Tax Advantage

A tax credit is a dollar-for-dollar reduction in your final tax bill. If you owe the government $1,000 and have a $1,000 credit, your tax bill drops to zero. Credits offer direct, valuable savings.

R&D Tax Credit

A permanent federal — and often state — incentive designed to encourage American businesses to innovate.

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FICA Tips Credit

Tipped employees? You may recover employer-paid FICA taxes you’ve already sent to the IRS.

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Trumark Payroll Savings

Employers save $50–75 per employee each month; employees take home $80–125 more.

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FICA tip credit · illustrative

50–75% of restaurants leave this refund unclaimed.

Annual reported tips	Estimated annual credit
$100,000	$7,650
$200,000	$15,300
$300,000	$22,950
$400,000	$30,600

Estimates use the 7.65% employer FICA rate on reported tips. Restaurants, bars, cafés, hotels, resorts, caterers and event venues commonly qualify. Your actual credit depends on your payroll details — see IRS Form 8846.

For Business Owners

Money you’ve already earned, returned.

A tax credit is a dollar-for-dollar reduction of your final tax bill. Owe $1,000 with a $1,000 credit, and you owe nothing. We help American businesses claim the credits they qualify for — R&D, FICA tips and payroll savings.

$50–75

Saved by employers each month, per employee, in payroll taxes — at no extra cost.

$80–125

Added to each participating employee’s monthly take-home pay.

$1 = $1

Every dollar of tax credit reduces your federal tax bill by a full dollar.

See tax advantage programs

Life Insurance

If the unexpected happens, your loved ones receive a tax-free lump sum — the death benefit — to cover the mortgage, everyday living expenses, outstanding debts and college for the kids, helping them keep their lifestyle without sudden financial strain.

Lifelong coverage

Protection that doesn’t expire as long as premiums are paid. It builds cash value that grows tax-deferred and can be borrowed against or withdrawn for retirement, emergencies or other goals.

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Living Benefits Rider

Access a portion of your death benefit while you’re still alive, under specific qualifying medical conditions:

Terminal illness
Chronic or critical illness
Certain incapacitating conditions

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Annuities

A retirement income vehicle with tax-deferred growth, guaranteed income and protection against market loss. Turn your nest egg into reliable, paycheck-like payments — for a set period or the rest of your life, and sometimes your spouse’s too.

Accumulation

Your savings grow tax-deferred, protected from market loss.

Distribution

Steady income for housing, bills, healthcare and daily living.

Designed to help protect against outliving your savings.

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Our promise

Every signature, a promise kept.

Retirement & Health

Income strategies and coverage for every season of life — from working years through retirement.

Tax-free income strategiesReplacement income strategies Tax-free retirement strategiesInvestment strategies Life insuranceHealth insuranceDental & vision MedicareShort-term careLong-term care

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