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Life Insurance Annuities Tacoma
for Randy Melquist, CLU, LUTCF

Business Insurance Tacoma & Beyond | Business Continuation Needs Tacoma & Beyond | Executive & Employee Benefits Tacoma & Beyond
Life Insurance & Annuities Tacoma & Beyond | Links Tacoma & Beyond | Personal Insurance Tacoma & Beyond | Estate Analysis Tacoma & Beyond | Financial Resource Analysis Tacoma & Beyond

Will your duaghter be able to pay for a graduation party . . . or graduation if you are not around?



The future needs protecting.Since 1972, Randy Melquist has been helping business and individual clients make informed financial decisions, assisting them in the selection and implementation of personalized insurance and financial strategies. Protecting your future and the future of those you care about is Randy's commitment.

Randy is an estate planning expert for residents of Tacoma and Washington State.Randy has shared his training and education with others in the financial services industry, serving as an instructor, author and speaker. In addition, he was a member of the Supervisory Committee of Rainier Pacific, a Community Credit Union.

Randy is a three-time past president of the South Sound chapter of the Society of Financial Services Professionals. He is also three-time president of the Tacoma-Pierce County Association of Insurance and Financial Advisors as well as a past president of the Tacoma Estate Planning Council.

Active in the community, Randy is a member of the Rotary Club of Tacoma #8. He served as president of the Tacoma Jaycees and as the Washington State Jaycees Vice President for Community Development. He has been the president of the Tacoma Sunrisers Toastmaster Club, a Cubmaster and sports coach. Prior to his insurance experience, Randy was a school principal in London, England, and a Peace Corps volunteer in Libya, North Africa. Randy graduated with Honors from the University of Puget Sound.

For a short time Randy helped new Americans and foreign students by teaching English As A Second Language at Tacoma Community College. He speaks Spanish, Arabic, and German.



Don't leave your planning up in the air.




If you live in Tacoma, Pierce County or anywhere in Washington State, contact Randy about your life insurance needs. We never know what the future will bring, but we can help by planning for it. Randy is a family man and a businessman. He can help you and your family and your business prepare for protection and for the future.




Randy can offer clients the following:


"I am licensed to sell insurance in : Washington.
I cannot communicate with, nor respond to requests from, users who reside in states where I am not licensed to conduct insurance."
-- Randy Melquist



BUSINESS INSURANCE PLANNING TACOMA

EXECUTIVE AND EMPLOYEE BENEFITS TACOMA

Executive and employee benefits represent a substantial percentage of the total compensation provided by a company. With costs continuing to escalate, reviewing these plans on a regular basis can save your organization money.

Some of the executive benefits available are:

  • Non-Qualified Deferred Compensation Programs
  • Split Dollar Insurance Programs
  • Section "162" Bonus Plan
  • Group Life Carve Out

Some of the benefits we address are:

  • Group Life and Health Insurance
  • Salary Continuation Programs
  • Qualified Retirement Plans
    • 401(k) Programs
    • Profit Sharing Plans
    • Pension Plans


BUSINESS CONTINUATION NEEDS TACOMA

Owners spend years of hard work and perseverance building a successful business. Planning that goes into the formula for success often fails to provide contingency options to maintain the business long into the future. The current owners need to prepare for the succession of their operation in the event of retirement, death or disabiltiy.

Some of the approaches we use in assisting business owners in these areas are:

  • Buy-Sell Agreement Funding
    • Cross Purchase
    • Stock Redemption
  • Key Person Insurance
  • Business Overhead Expense Plans


PERSONAL INSURANCE PLANNING TACOMA

FINANCIAL RESOURCE ANALYSIS

Following our initial meeting, you and your family will receive a personalized financial resource analysis, which will:

  • Review your current insurance planning to achieve sufficient capital in the event of premature death or disability.
  • Help you create a strategy to achieve sufficient income during your retirement years.
  • Help you prepare for your children's education funding.
  • Help maximize your investments relative to your risk, return and time horizons.
  • Help preserve the capital in your estate at your death.


ESTATE ANALYSIS TACOMA

Poor planning and improper management can greatly decrease the value of your estate. Without a programmed approach to estate conservation and distribution, heirs often are left confused and inconvenienced.

Developing a detailed estate plan involves:

  • Conducting a thorough inventory of your assets
  • Gathering data to determine your estate objectives
  • Developing a "Hypothetical Probate" to illustrate the tax ramifications at your death
  • Recommending solutions to achieve your desires in conjunction with your other professional advisors


The information provided is not written or intended as tax or legal advice and may not be relied on for purposes of avoiding any Federal tax penalties. MassMutual, its employees, or representatives are not authorized to give legal or tax advice. Individuals involved in the estate planning process should work with an estate planning team, including their own personal tax or legal counsel.


Business Insurance Tacoma & Beyond | Business Continuation Needs Tacoma & Beyond | Executive & Employee Benefits Tacoma & Beyond
Life Insurance & Annuities Tacoma & Beyond | Links Tacoma & Beyond | Personal Insurance Tacoma & Beyond | Estate Analysis Tacoma & Beyond | Financial Resource Analysis Tacoma & Beyond

Randy Melquist, CLU, LUTCF
4654 North Bristol, Tacoma, Washington 98407
253-759-6922
253-759-4284 fax
randy@randymelquist.com

Website construction by publicdoman.com


I am licensed to sell insurance in the following jurisdiction(s): Washington, Oregon, and Idaho.








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