Eagle Strategies LLC is a Registered Investment Adviser and an indirect, wholly owned subsidiary of New York Life, and is a provider of holistic investment advisory and financial planning services. Our financial advisors leverage Eagle’s sophisticated wealth management platform, comprised of many of today’s leading investment managers, to design customized investment solutions to help address our clients’ unique investment objectives and risk tolerance levels. The breadth and investment knowledge of our Financial Advisors, coupled with Eagle’s diverse team of investment experts, allows them to provide the continuous financial guidance needed to help clients achieve long-term financial success.
Investment Advisory
Managing your wealth requires a clear understanding of your overall investment objectives. Eagle's comprehensive investment advisory capabilities utilize a disciplined investment approach that looks beyond traditional asset allocation, while addressing important factors such as risk tolerance levels and investment time horizons, to provide a clearer picture of our clients’ overall wealth.
Financial Planning
A comprehensive financial analysis of assets, liabilities, cash flow, and investments helps us identify a clear path to our clients’ prosperous futures. We’ll craft a detailed financial plan that helps you have the right wealth accumulation and preservation strategy in place to achieve your long-term investment objectives. More importantly, we continuously monitor and adjust our clients’ financial plans to ensure that they remain aligned with their stated objectives.
Investment Advisory Service Offerings
Fund Advisory Program
This program combines the expertise of professional third party investment managers with the personalized service and guidance of the Financial Advisor. By analyzing your overall investment goals, risk tolerance levels, and liquidity needs, we’ll help you determine which investment portfolio allocation, consisting of an optimal blend of nonproprietary mutual funds and/or exchange-traded funds (ETFs) is most appropriate for your investment goals and specific situation.
Separately Managed Accounts
Separately Managed Accounts (“SMAs”) are a type of professionally managed investment account that invest in individual securities on a discretionary basis and provide clients with the flexibility of restricting the holding of certain securities and tactically utilizing gains and losses for tax planning purposes. We will leverage Eagle’s robust offering of nonproprietary SMA strategies available through third-party money managers to either custom design a holistic investment portfolio or utilize individual strategies to address your specific allocation needs.
Rep Directed Program
This is an investment advisory program through which we will construct a customized portfolio of individual mutual funds, exchange traded funds (ETFs), and in some cases, individual securities, using the strategic asset allocation framework developed by Eagle Strategies and a leading institutional asset manager, or simply by us for you to review and approve. We’ll seek to utilize an optimal blend of asset classes that helps maximize long-term returns, manage overall portfolio volatility and achieve investment objectives while remaining aligned with your risk profile.
All investment advisory services are offered through Eagle Strategies LLC, a registered investment adviser. All investments involve risk, including the potential loss of principal.
Insurance and Annuities
The team at BluePoint Financial LLC are trained professionals who can help you identify your financial needs and then determine which financial and insurance products can best help you meet your objectives. Some of the products we often use to serve the needs of our clients include:
Life Insurance
Many people think that life insurance is only for people with families. While it’s true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession, or charitable giving plan. And permanent life insurance offers many living benefits as well, such as tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out—or for someone who's starting over.
Whole Life
Term Life
Universal Life
Variable
Universal Life
Survivorship
Life
Annuities
An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump sum into a guaranteed stream of income payments. Deferred annuities offer the advantage of tax deferral and can be used to accumulate money for retirement. Income annuities are used to generate a stream of income payments that are guaranteed to last for as long as you need them to—even for the rest of your life.* Some of the different types of annuities are:
Fixed
Deferred Annuities
Lifetime
Income Annuities
Variable
Deferred Annuities
Business Solutions
Here at BluePoint Financial LLC, we offer a wide array of services to help business owners address their financial needs at every stage of the business life cycle. Taking into account their personal values and financial goals, we create and execute customized strategies to help entrepreneurs meet their objectives. Some of our key services are detailed below.
Executive
Benefits
Estate
Planning
Succession
Planning
Key
Person Insurance
Funding
Buy-Sell Agreements
Funding Deferred
Compensation
Employee
Benefits
Executive
Benefits
The success of most businesses is tied in to the talent, passion, and work ethics of their key executives. Executive benefit packages can help you attract, motivate, and retain high-caliber employees and keep your company healthy and stable. We can help you with funding non-qualified plans, supplemental employee retirement plans, split dollar plans, and more.
Estate
Planning
A well-engineered estate conservation plan can help minimize tax liability and ensure that loved ones are protected. We will work with you and your advisors to assess the impact of state and federal taxes on your estate and suggest strategies to help minimize those taxes while meeting your family’s needs. We do not provide tax advice. Please consult with your own advisors for tax advice.
Succession
Planning
Succession planning allows owners to retire from their business within their own time frame, while preparing for the company to be transferred to family members, key employees, an outside party, or even a charity. This must be done in a way that achieves personal financial security, maintains harmony, and achieves maximum value for the business. We can provide financial strategies for succession planning.
Key
Person Insurance
Key person life insurance offers a death benefit that helps indemnify an employer for the loss of one of its most important assets—the key person. This can help assure continuity of the business for employees, customers, and creditors, and protects against losses in sales, momentum, and credit. It can also be used to assist with recruiting and developing a replacement for the employee.
Funding
Buy-Sell Agreements
A buy-sell agreement is a legally binding agreement between co-owners of a business that governs the situation if a co-owner dies or leaves the business, whether by force or by choice. A funded cross-purchase buy-sell plan utilizes life insurance to help ensure that the arrangement is properly funded so that there will be money if the event occurs.
Funding Deferred
Compensation
Deferred compensation is a written agreement between an employer and an employee in which the employee chooses to have part of his or her compensation withheld by the company, invested on their behalf, and distributed to them at a predetermined point in the future. Deferred compensation can be used as a flexible way to attract and incentivize key employees. We provide funding strategies for deferred compensation.
Employee
Benefits
Today’s labor market is competitive, and finding quality employees that have the experience, values, and knowledge necessary for the job can be a challenge. Then, after you’ve put your team together, you still have to figure out how to keep them motivated and happy to be there. Offering benefits that are the right fit for your business can help to reduce employee turnover, which in turn also helps your long-term stability. Even though it’s an added expense, it’s typically much less than what it takes to hire, train, and retain new employees.
We can guide you through the process of designing a custom benefits package that keeps you competitive and doesn’t drain your wallet. We’ll show you a wide variety of services and solutions to find the options that fit your needs and budget. Certain options can come at little to no cost to you, such as a voluntary payroll deduction program. No matter what your needs are or where you’re at in the process of establishing a benefits package, we are here to help. Some of our key benefit offerings are detailed below.
Group Major Medical Plans
This kind of plan meets the standards and covers all the minimum essential benefits of the Affordable Care Act (ACA). It also provides benefits for a wide range of inpatient and outpatient health care services.
Group Disability Insurance Plans
Group disability plans offer basic salary compensation for employees that experience a short- or long-term disability. Competitive rates are also available on your state-required disability.
Group Life Insurance Plans
This is a plan that offers life insurance benefits to employees, where the insurance contract is only between the group and the insurance company. Members of the group receive certificates of coverage at little or no cost to them.
Group Dental and Vision Plans
These plans offer coverage for dental and/or vision expenses. Most typically, group dental and vision plans are an add-on to a health insurance plan.
Flexible Spending Accounts*
Flexible spending accounts may provide you with a way to make eligible out-of-pocket costs pre-tax, potentially helping you and your employees save tax dollars.
Voluntary Coverage**
Adding voluntary coverage options to your plan can enhance your benefits program with little or no out-of-pocket cost for you. Some of the products offered are whole and universal life insurance, dental insurance, vision insurance, short- or long-term care, and cancer protection.
Retirement Plans
We will work with you to find the right retirement plan for your needs and budget, and help you find the best way to fund these qualified and non-qualified plans. Some of the options we offer are profit sharing, 401(k), defined contribution, and defined benefit.
*Please consult your own tax advisor for tax advice.
**Your participation in the payroll deduction life insurance program is completely voluntary. Since this program is not intended to be subject to the Employee Retirement Income Security Act of 1974(ERISA), your employer cannot contribute to or endorse any policy offered under this program.
Whole Life
Whole life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred.
Term Life
Term life policies provide coverage for a specific amount of time—such as five years, 10 years, or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.
Universal Life
Universal Life insurance is designed to offer customizable death benefit protection with non-guaranteed planned premiums and a non-guaranteed death benefit. Depending on the product selected and the amount of premium you pay, Universal Life insurance can allow you to keep your coverage as long as you need: to age 80, 90, 100 or longer. Because of the policy’s flexible and non-guaranteed nature, it is important to fund your policy properly and actively manage your policy to reflect changes in interest crediting rates and policy charges over the duration of your policy. This policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments, if loans or withdrawals are made, or if current interest rates or charges fluctuate.
Variable
Universal Life
Variable Universal Life Insurance combines the premium and death benefit flexibility of a universal life policy with investment opportunities. You may allocate your premium among a variety of professionally managed investment divisions plus a fixed account. Of course, with investment opportunities comes risk along with the potential for reward.
These products are offered by prospectus through NYLIFE Securities LLC. (member FINRA/SIPC), and a Licensed Insurance Agency.
Survivorship
Life
Survivorship Life insurance—available as whole life, universal life, or variable universal life —covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship Life insurance is often used to help meet estate planning or business continuation goals.
Fixed
Deferred Annuities
With a fixed deferred annuity, the interest rate on your policy is guaranteed never to fall below a certain amount.* For many people, this provides a measure of security.
(A fixed deferred annuity is subject to a sales charge for early withdrawals, which may be subject to income tax. Withdrawals prior to age 59½ are subject to a 10% tax penalty.)
*Guarantees are dependent upon the claims-paying ability of the issuing insurer.
Lifetime
Income Annuities
A lifetime income annuity is an annuity in which income payments begin one period after the annuity is purchased. It is designed to provide you with predictable income monthly, quarterly, semiannually, or annually, no matter how long you live, and regardless of how the financial markets perform.
All guarantees associated with annuity contracts are based on the claims-paying ability of the issuing insurance company. Withdrawals may be subject to regular income tax, and if made prior to age 59½, may be subject to a 10% IRS penalty. In addition, surrender charges may apply.
Variable
Deferred Annuities
A variable deferred annuity offers the advantage of tax deferral and can be used to accumulate money for retirement. The policy's accumulated value—and sometimes the amount of monthly annuity benefit payments—fluctuates with the performance of your variable investment account options. There are fees, expenses, and risks associated with the contract. Please be aware that assets allocated to the investment divisions are subject to market risks and will fluctuate in value.
Offered through NYLIFE Securities LLC (member FINRA/SIPC), and a Licensed Insurance Agency.
