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Financial & Estate Planning

The Silbernagel Group, Inc., offers holistic advice on your overall financial well-being. With an emphasis on tax efficiency, diversification of assets, and regular reviews, we’ll make sure you’re on track to a better financial future.

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Personal

Variable Annuities*

Fixed Annuities*

Estate Planning

Stocks

Life Insurance

IRAs / Pensions

Long Term Care

Comprehensive Tax Planning

Business

Simplified Employee Pensions (SEPs)

Business Continuation Plan

Deferred Compensation

Split Dollar Insurance*

Key Person Insurance

Life Insurance

Tax Planning

Succession Planning

Please consider the investment objectives, risks, charges, and expenses carefully before investing in Variable Annuities. The prospectus, which contains this and other information about the variable annuity contract and the underlying investment options, can be obtained from the insurance company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

The investment return and principal value of the variable annuity investment options are not guaranteed. Variable annuity sub-accounts fluctuate with changes in market conditions. The principal may be worth more or less than the original amount invested when the annuity is surrendered.

Fixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company.

Split-Dollar Insurance is not an insurance policy; it is a method of paying for insurance coverage. A split-dollar plan is an arrangement between two parties that involves “splitting” the premium payments, cash values, ownership of the policy, and death benefits.  These arrangements are subject to Split Dollar Final Regulations that apply for purposes of federal income, employment and gift taxes. Regulations provide that the tax treatment of split-dollar life insurance arrangements will be determined under one of two sets of rules, depending on who owns the policy.