For most people, the thought of settling their affairs is neither pleasant nor immediate. However a little planning now can provide a great deal of peace of mind and security in the future. Depending on the size of your estate and your specific goals and responsibilities, there are a number of tools that can be used to provide for our loved ones, see that your wishes are carried and assure that as much of your estate as possible goes to your heirs rather than the IRS. Visit our Estate Planning Pages for background on our approach and some basic estate planning tools.

For individuals with very large estates, the estate planning process becomes much more complex. After assets are protected through the more traditional means, the large sums left must be sheltered or distributed during the owners lifetime. If you are interested in wealth transfer, please visit our Wealth Transfer page to learn more about how Wayne W. Kollas, Inc. can assist you or your clients.

With the hectic pace of life it is easy to overlook some of the basics - When do I want to retire? Will I have enough set aside? What happens to my family if something happens to me? When I'm gone, what kind of legacy do I want to leave for my family and my community?

We often have a vision of the answers for which we would hope. However it can be difficult to make the next step - to create a real plan and put the pieces in place to assure that your dream becomes a reality.

Wayne W. Kollas, Inc. has been helping people plan for a secure future for over 31 years.

Maintaining a standard of living after retirement requires some planning. For a few, social security and standard pension and 401k plans may be enough. For most adults today these programs will not be enough. The more successful an individual is, the smaller a percentage these traditional plans will contribute towards their overall needs. Efficient saving and investment habits are necessary. Visit our Retirement Planning page for information on how Wayne W. Kollas, Inc. can assist you in securing your golden years.

Aside from the obvious protection afforded by life, disability and related lines of insurance, these products also provide the funding foundation for many of the estate, financial and executive benefit and business continuation strategies discussed on this site.

Wayne W. Kollas, Inc. may be able to assist with your personal or business insurance needs, either on a consultative basis or as an insurance broker. For the past 21 years, we have operated as an independent insurance consultant. That means that our allegiance is to our clients, helping them select the best possible solution from the many companies and configurations available on the market today. Visit our Insurance Services page to learn more about how Wayne W. Kollas, Inc. may be able to assist you with your insurance needs.