We have helped the nation's most successful business executives, high net worth individuals, and investors save significant amounts of tax dollars, investment fees, and risk planning dollars.
Our professionals are at the top of their fields for tax conservation, business insurance, insurance as an alternative asset class, retirement, and/or estate planning.
Our team is comprised of people with different types of executive experience within the financial, healthcare, and insurance industries. We all have this in common - a commitment to ethics and integrity. And you can count on unbiased recommendations and impartial guidance.
Michael Engelhart has proven to be a highly effective wealth strategist for some of the country’s most successful individuals, investors, and businesses. He helps high net worth individuals and business owners reduce income & capital gains taxes and accumulate tax-exempt income.
Michael has 25 years of experience as an entrepreneur, business leader, insurance executive, and advisor to both public and private companies. He has served in leadership roles in strategy, sales, and marketing. Since 2010, Michael has specialized in insuring human capital risk, business succession planning, wealth transfer planning, and in the development and implementation of strategies that promote and accelerate enterprise growth. He has advised companies across a broad spectrum of industries including financial services, consumer products, collectibles, wellness, neutraceuticals, consumer products, life sciences, public utilities, and not-for-profits.
Jack Grella is a Broker at Empire Wealth Strategies, and an Investor Services Director at RAGNAR Holdings – a Land Transaction & Renewable Energy holding company. He has considerable experience with Holistic Financial Planning, Tax Reduction, and Alternative Investments.
Prior to joining HCRMA, Jack ran financial planning meetings for high net worth individuals for a combined book of 2.3 Billion at Fidelity. He was also the primary Connecticut Intermediary for Fidelity Alternative Investments. Jack completed the Financial Consultant Academy for Ultra High Net Worth Individuals in 2017.
Key Man, Buy Sell, Errors & Omissions, Directors & Operators, Property & Casualty, Liability.
Our team of veteran insurance professionals know the inside workings of the industry.
Secure any asset within PPLI before it appreciates, and never pay capital gains or income tax on the asset again. Individuals can transfer almost any asset in to a PPLI Policy.
Maximize your retirement plan with no contribution limits, own a tax deferred investment asset, and create tax free income during retirement.
Congress had reworked the tax code to allow landowners to report easements as
charitable deductions to their federal income tax.
IRS rules allow a taxpayer to deduct these charitable contributions from their adjusted gross income
Investing in solar developments creates an uncorrelated, high-yield asset that is enriched with up front tax incentives.
Take advantage of ITC Credits and Depreciation to minimize taxes, while becoming a partner in a solar development.
An Installment Sale is a unique tax deferral strategy for any “Highly Appreciated Asset” with a low basis. The strategy allows the seller to sell the asset and defer 100% of the capital gains tax up to 30 years.
It is never too early to get started on a SMART Retirement. Tell us more about your goals, and we will find customized plans of action & solutions.
Monday - Friday: 9am - 5pm
Saturday - Sunday: By appointment