Services We Render
Financial Services
The Financial sector has shown significant development over the past decade and we are keen on helping our clients make rightful decisions in this sector, be it banking, insurance, or capital markets.
Leadership Development
Let us help you expand your capacity to perform in leadership roles within your organization and community. Leadership roles are those that facilitate the execution of an organization's strategy through building alignment, winning mindshare, and growing the capabilities of others.
Property and Casualty Insurance
Property and casualty insurance includes coverage of your structure, property and belongings in the event of vandalism, theft, and more. Property and casualty insurance is a smart investment that can help you and your family in the event of an unforeseen accidents in your home or on your property. Get a home insurance quote today to select the type of coverage that’s best for your lifestyle.
Auto Insurance
Basic personal auto insurance is mandated by most states and provides you with some financial protection in case of an accident. But is it enough? What are the options?
Auto insurance provides coverage for:
Property – such as damage to or theft of your car.
Liability – your legal responsibility to others for bodily injury or property damage.
Medical – the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
We are here to help you choose the right insurance policy and decide on the types of coverage available.
Business Insurance
Business insurance coverage protects businesses from losses due to events that may occur during the normal course of business. There are many types of insurance for businesses including coverage for property damage, legal liability and employee-related risks. Companies evaluate their insurance needs based on potential risks, which can vary depending on the type of environment in which the company operates. It is especially important for small business owners to carefully consider and evaluate their business insurance needs because they may have more personal financial exposure in the event of a loss. If a business owner does not feel he or she has the ability to effectively assess business risk and the need for coverage, they should work with a reputable, experienced and licensed insurance broker.
Life Insurance
Life insurance is important, as it protects your family and lets you leave them a non-taxable amount at the time of death. It is also used to cover your mortgage and your personal loans, such as your car loan. Your individual life insurance follows you when you retire and you are no longer insured by your employer. This insurance will also replace your family income when resources are less so they can maintain their quality of life.
Retirement Planning
Retirement planning means preparing today for your future life so that you continue to meet all your goals and dreams independently. This includes setting your retirement goals, estimating the amount of money you will need, and investing to grow your retirement savings. This helps you navigate through retirement planning by providing guidance each step of the way. Gain insight on how to plan for retirement here. Having a flexible plan for retirement can help prepare you to reach your goals, whether you're saving or already retired. It all starts with seeing what's possible. We can help you bring your goals into focus and create a clear plan with actionable steps that leaves you feeling good. That's The Planning Effect, from Minao Financial and Insurance Agency.
Will and Estate Planning
Everyone should have an estate plan in place, complete with a will. This ensures that financial affairs are resolved quickly at your death and that your loved ones benefit from your estate and lose as little as possible to taxation. Minao Financial and Insurance Agency can help you to make the right choices for your estate. We can walk you through the process and review your plan, how your assets are held and, if needed, direct you to a specialist who can assist you with insurance and investment options that make sense for you and support your plan. We can help you identify key areas for which you may need additional professional advice. We can also refer you to an experienced estate and trust lawyer to prepare your legal documents for you.
College Savings
If you’re a parent, it’s never too soon to start thinking about your child’s college education. College can be expensive, so saving now is a great way to set your child up for success in the future. Your child might not be able to thank you now for this decision, but they certainly will later. Opening a college savings account is a smart way to invest in the education of a child, family member, a friend, or even yourself—and it often comes with tax benefits. Most parents and students know they should be saving for college but the less obvious part is the question of where to put those savings. Let us help you make the right decision when it comes to your college saving.
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