Our Services

RETIREMENT COUNSELING

To realize the dream of a comfortable, financially secure retirement, it's never too early to start strategizing. At Michigan Financial Companies, we can help by providing manageable, effective programs tailored to meet your personal or business needs. No matter whether you're updating a current strategy or simply considering your options, our experienced financial service professionals are committed to working with you and your other advisors -such as attorneys and accountants- to arrive at the strategy that best meets your goals.

There are numerous vehicles and combinations of vehicles we can offer...

401(k) SEPs IRAs 403(b)s/TSAs Pension/profit sharing Non-qualified deferred compensation Alternative funding methods

And long after we've set your strategy in motion, our relationship with you continues. Because laws, financial positions and goals change, we provide periodic reviews and updates. We make you aware of new opportunities and help you evaluate your choices. Once you've decided, we will make the necessary adjustments... while you go back to dreaming about a relaxing retirement that's comfortable and financially secure.

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INVESTMENT SERVICES

Your financial profile is unique. So unique, in fact, that it demands an investment strategy tailored to your particular circumstances. Personal finances, investment objectives, investment time frame and risk tolerance are all part of the equation. And there are countless investment opportunities to consider.

At Michigan Financial Companies, we can help you build -and maintain- a sound financial portfolio through the investment services of our broker-dealer and registered investment advisor, Signator Investors, Inc. This company has developed a comprehensive investment strategy system based on the investment principle of asset allocation. Through this system, the various aspects of your financial situation and investment preferences are thoroughly analyzed and synthesized to arrive at an individualized investment allocation.

Our registered representatives may choose from a wide selection of investments- all carefully screened to meet the most stringent criteria. Once you've made your choices, all security transactions are processed quickly and efficiently through our network.

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LIFE AND DISABILITY INCOME INSURANCE

It's often said that the only thing predictable about the future is change. And because change is so predictable, part of your strategy should be to have adequate life and disability income insurance.

Unparalleled service, quality products, experience and insight -are some of the qualities that our associates use to help you prepare for life's uncertainties. We help you to determine appropriate levels of life and disability insurance.

Since change is certain, we keep in touch by scheduling regular contacts with you to review your plan- and your situation. When called for, we will update features that reflect the changes in your life and your future financial security.

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ESTATE PLANNING*

You've worked hard to get where you are today. Perhaps you've built a thriving business, a successful farm or an impressive portfolio of other assets. You've invested too much of yourself- and your family- to lose those assets to federal estate taxes.

Prudent planning helps you reduce- and possibly eliminate estate taxes. The Michigan Financial Companies can help you achieve such goals with an optimal estate analysis. We will work with you to determine a strategy that addresses your lifetime income needs and keeps your assets in the family.

With an optimal estate analysis, you will enjoy peace of mind knowing that you've done everything you can to plan for meeting your future needs.

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BUSINESS CONTINUATION PROGRAMS

Complete Business Valuation Knowing the true value of your company is the foundation of every good business decision. Michigan Financial Companies' business valuation service can provide you the specific information that is your key to success.

Our valuation report uses the weighted average approach in conjunction with four accepted methods:

Book value, Capitalization of earnings, Adjusted book value with goodwill, and Discounted future earnings

Key Person InsuranceThe death of a key person can have a great effect on the future of a business. Michigan associates work closely with you to analyze your company's need in the purchase of life insurance on such key employees. This type of protection ensures the smooth and uninterrupted operation of the company.

Buy-Sell Agreements Circumstances change. And wise business owners know the benefits of planning for that change- including the possibility that one owner may need to sell interest in the business due to death or disability. A buy-sell agreement is a lifetime agreement among business owners that defines how they will dispose of the business. Our associate will help you and fellow owners conduct a thorough analysis of the ideal buy-sell arrangement for your business.

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EXECUTIVE BONUS PLANS

• How do you recruit and retain high quality key people?


• How do you maximize the tax leverage of a corporation for the benefit of selected key people and owners

Executive Bonus Plans Another way of compensating your key executives is through an executive bonus plan. Here, the company pays bonuses on the employee's behalf. These plans offer important benefits to the executive, the executive¹s family and the company. Michigan Financial Companies associates are experienced in helping companies like yours analyze and establish executive bonus plans.

Executive Carve-Out Plans Many companies are committed to recognizing the contributions of key executives. One method is the executive carve-out, which provides life insurance coverage on selected employees by "carving out" all -or a portion- of their coverage under the company sponsored group term plan and then protects them with individual policies. Our associates will help you evaluate the financial advantages such plans offer to both your company and your key employees.

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EMPLOYEE BENEFITS**

The right group benefit package is essential to keeping your company's employees satisfied. It also represents one of your company's biggest investments. Yet with so many choices available today, benefit planning can be a monumental task. Fortunately, you don't have to go it alone.

Our associates can help simplify your group benefit planning and administration. We start by analyzing your company's needs. Then we survey more than 60 insurance carriers who offer group benefits and recommend those that promise the best results. Since the Michigan Financial Companies is an organization without ties to a specific benefit source, you receive objective suggestions based solely on your company's benefit needs.

The options include...

Employee Financial Services

Workshops Seminars Consultation

Health Insurance

Fully insured Self-insured Alternate funding methods

Dental insurance, Group long- and short-term disability, Cafeteria plans, Group life,   Vision Plans, and Voluntary payroll deduction plans

Dental, Life Insurance, and Vision Disability

Our service continues after the benefit plan is in place. We work with your employee benefit department to provide employee education, claim support and periodic reviews. Your account is assigned a service representative who coordinates all Michigan services and is available to answer administrative and benefit questions.

Besides quality, the Michigan Financial Companies offers your company the advantage of our volume buying power. Because of the large number of employees for whom we handle benefits, we have developed strong relationships with insurance carriers. As a result, we can help you select the better rates and resolve claim issues. Your company, in turn, enjoys the benefits of greater employee satisfaction and retention.

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