Products & Services

Willow Financial Services, LLC develops and markets a portfolio of business and financial tools for individuals as well as professional groups interested in strengthening their organizations. Our strategic partnership programs provide opportunities to strengthen your financial future through diverse and custom-tailored services.

Attention Home Healthcare Agencies:

Willow has been serving the needs of the home health care industry since 1988. As associate members of the National Association for Homecare, the Texas Association for Homecare and the Homecare Association of Florida, Willow has worked to develop benefit plans to help with the recruitment and retention of employees within the home health care industry. We currently offer individually designed employee benefit plans for home health care agencies including:

• Retirement Plans
  

• Executive Compensation Plans
  

• Deferred Compensation Plans
  

• Health Insurance Programs (Companies with 100 or more eligible employees)
  

Pension and Retirement Programs

Pension and retirement plan designs available with full administration include:

• 401 (k)
  

• 401 (k) Safe Harbor
  

• 401 (k) ROTH
  

• SIMPLE
  

• SEP
  

• Profit-Sharing Plans
  

• Defined Benefit Plans
  

Life Insurance Products

Willow works with the top insurance carriers in the nation including AIG, Lafayette Life, ING, Met Life, and Mass Mutual. Whether you're looking for individual or group, We strive to find the market that best serves you and your company's needs. From buy-sell agreements and individual life products to group insurance, Willow is able to provide the support you need at a competitive price in the marketplace.

Impaired risk is a recognized specialty of Willow Financial Services. Many insurance agents, clients, and companies turn to us when they have an individual that, due to medical reasons, is difficult to insure. Willow has the national markets to secure coverage for those who thought they were uninsurable.

Voluntary Benefits

Willow provides companies with a multitude of voluntary benefits that enhance the benefits provided by employers. Voluntary benefits include:

• Dental
  

• Vision
  

• Universal Life
  

• Term Life
  

• Whole Life
  

• Short Term Disability
  

Pension Benefits

We provide in-depth and individual reviews of the pension benefits available for implementation in a particular small business, focusing on owner's priorities. We also provide our clients with a free review and feasibility study to help insure that the most advantageous benefit program is implemented.

Executive and Employee Benefits

From employee benefits specifically designed for the high-income business owner to packages for a select industry, our benefit packages are designed to attract and retain key employees for an organization. Contact us to help you figure out the program that's best for you. Our executive benefit plans include:

• 401 (k) and Pension Plans
  

• Retirement Plans
  

• Estate Planning
  

• 412 (e)(3) Fully Insured Defined Benefit Plans
  

• Life Insurance Products
  

• Health Benefits Planning
  

Group Health Benefits

We offer fully insured as well as self-insured health benefits. We provide a seamless solutions to meeting the fully insured healthcare benefit needs of an organization through our multiple partnerships. Our self-insured benefit plans are available to businesses with more than 100 employees. Health benefits provide numerous advantages to organizations, including:

• An elimination of most premium tax
  

• Lower operation costs
  

• Elimination of carrier profit margin and risk charge
  

• Effective claim processing
  

• Cost and utilization controls
  

• Cash flow benefit
  

• Return on investments for reserves
  

• Control of plan design
  

• Avoid mandatory benefits
  

• Plan administration is tailored to the employer's needs
  

• Effective risk management through stop loss insurance
  

Securities offered through H. Beck Inc., Member FINRA, SIPC

H. Beck, Inc. and Willow Financial Services, LLC are not affiliated

• Long Term Disability
  

• Cancer/ Accident
  

• Critical Care
  

• First Occurrence
  

• Hospital Indemnity
  

• Long Term Care
  

• Section 125 / Flexible Spending Account
  

• Group Health
  

• Self-Funding Options
  

• Limited Medical Plans
  

• Pet Insurance
  

• HSA & HRA Accounts
  

For more information on resources offered to dentists and physicians, visit:

Choice Dental Solutions, LLC

Physician Wealth Advisory Group

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