We Help You Protect Your Assets and Secure Your Legacy.
Customized estate and financial services for high-net-worth individuals and families
Exceptional legacies require exceptional financial strategies
At Hoffman Financial Team, we understand that your financial needs are as unique as you are. Tapping into our exclusive industry relationships and using multiple strategies, we create customized, innovative financial management strategies designed to help you reach your personal goals and secure your assets for the future.
Our team of financial professionals offer expertise in estate planning, life insurance consolidation, and premium financing. Extensive experience in these areas has made us a trusted resource for professionals and individuals looking for creative solutions that align with their current and future financial goals.
Helping you build success for a lifetime and security for generations.
What We Do
Life Insurance
Choosing the right life insurance solutions for you presents unique challenges and opportunities. With experience and expertise, we craft customized insurance solutions designed to maximize your benefits and address your financial goals.
- Permanent Life Insurance with Cash Accumulation Feature
- Term Life Insurance
- Guarantees*
- Multi-generational Features
- Survivorship Features
- Long-Term Care
- Disability Income Insurance
- Annuities
*Guarantees are based on the claims paying ability of the issuing company.
Premium Financing presents the opportunity to pay for life insurance using annual loans from a third party lender such as a bank. It can both minimize estate taxes and provide liquidity at death, replacing assets lost to estate taxation. High Net Worth individuals with significant or estate or business planning needs and a temporary liquidity issue may find that premium financing can be an economical way to pay for needed life insurance coverage. Discuss the potential risks for this arrangement, which can include the loan interest rate and the need for collateral, with your financial professional to determine if this strategy is right for you.
Premium Financing
- Life Insurance Funding
- Renewals
- Cash Value Life or Credit
- Cash Value Loans
Access to cash values through borrowing or partial surrenders will reduce the policy’s cash value and death benefit, increase the chance the policy will lapse, and may result in a tax liability if the policy terminates before the death of the insured.
We are not authorized to give legal or tax advice. Consult your own personal attorney legal or tax counsel for advice on specific legal and tax matters.
Estate Planning
Proper estate planning ensures your wishes are honored and your assets protected for your loved ones. Our experts will help you craft an estate plan designed to minimize taxes, avoid probate, and safeguard the financial well-being of your dependents.
- Estate Planning
- Multi-Generational
- Wealth Protection
- Tax Planning
Estate Planning services are provided working in conjunction with your Estate Planning Attorney, Tax Attorney and/or CPA. Consult them for specific advice on legal and tax matters.
Business planning leverages various financial and life insurance products to help ensure your business is properly protected. Our expert guidance will take your specific business requirements into account and craft a plan designed to maximize coverage and financial stability to help minimize the impact that unexpected changes or events could pose to your business's experience of success.
Business Planning
- Partnership & Buyouts
- Employee Benefits
- Retirement
- Disability Planning
Corporate-Owned Life Insurance
Corporate-Owned Life Insurance (COLI) is a life insurance policy that a company buys on its employees, usually executives, with the company as the beneficiary. It helps businesses cover costs like employee benefits or losses from the death of key personnel. The policy also builds cash value, which can be used as a financial asset.
14+ years of industry expertise
Formal Team of the Year (FYC) Leader*
2013 Year 3 Agent
2015, 2016, 2017, 2020 Year 5+ Agent
2019 Year 5 Agent
2022, 2023 Year 11+ Agent
Top of Council*
2013-2022
Chairman’s Club*
2015, 2016, 2017
One of MM Elite Top Ten Achievers –
2020, 2021, 2022, 2023
ELIF - Exceptional level of in-force**
2022 – Need to be in business 10 years to receive
Guardian
Leaders Club – First qualification 2011 Production Year
Client Builder Reward – Centurion - 2011
National Financial Network LLC
2011 New Associate of the year
2012 New Associate of the Year
2012 – The Iron Man Reward
2012 – 3rd place Life Insurance Paid Premium
2012 3rd place paid cases
Shook Research***
2024 – Forbes – Best in State Top Financial Security Professional
2025 – Forbes – Best in State Top Financial Security Professional
*Recognized by Massachusetts Mutual Life Insurance Company (MassMutual) based on prior calendar year sales. Recipients are agents of MassMutual.
**Recognized by Massachusetts Mutual Life Insurance Company (MassMutual) based on the agent's years of service and amount of in-force premium as of prior calendar year end. Recipients are agents of MassMutual.
***Forbes / SHOOK Research
https://www.forbes.com/sites/rjshook/2021/10/19/methodology-americas-top-ranked-financial-security-professionals-2021/?sh=25118bca5fa9
https://www.shookresearch.com/a-methodology.html
A Financial Strategy Built Around You
At Hoffman Financial Team, there is no such thing as a standard financial strategy. You've worked hard to get to where you are. Our mission is to protect and secure your assets now and for future generations. To that end, every strategy is built on your needs, future goals, and changing life circumstances and includes ongoing customized assistance.
Our Process
Finding the right solution for your personal or business needs requires us to pay special attention to the circumstances of your unique situation. This is why our Financial Professionals take a needs-based approach to our insurance sales strategy. Our four-step process of analyzing, recommending, implementing, and reviewing your strategy will help ensure that you get on course to achieving your goals, and remain on course as life unfolds.
Analyze
Before we recommend any product or service, we ask questions and get a clear understanding of your financial goals and objectives. We then analyze your insurance portfolio to identify any gaps that may exist in your policies.
Recommend
We provide you with suggestions to fill in the gaps so you can choose the products best suited for your situation.
Implement
If you’re satisfied with our recommendations, we work with you to implement your strategies and secure the required products and services to help you strive for financial freedom.
Review
Because your financial situation is bound to change, we work with you over time through periodic reviews to help you evaluate the strategies in place, and their capacity to continue to meet your goals.
Our Financial Professionals can help you with many of your financial needs. It is important to note that Financial Professionals are only able to provide certain services if they are licensed to do so in your state.