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The greatest financial advisor that
you have access to is yourself!
Your intuition and the opinions of
those who care most about you,
your family, are invaluable when
making the right choices!
Our job is to lay these choices out
in front of you in a manner that is
clear and transparent.
The real challenge for most people is
access to information without all the
static. We are here to outline a
matrix of different scenarios that
allow you to compare products side
by side in order to make decisions
based on facts not fluff!
The "Links" below will offer you a
gateway into many of the individual
products and services we can assist
you with, just click for details on a
given subject. We are here to
answer any questions you may have.
Let us do a Policy, Estate Planning, 401K, or 529 review for you. Or even just talk about what general
options are available out there and how the markets have changed.
After just a few minutes you will quickly realize our commitment to excellence and integrity.
1. Current interest rates on Universal Life Policies are hovering at historic lows, seriously effecting the cash
value within the policy. This can have an adverse effect on policy dividends, and more importantly a rise
in premiums and the overall cost of the policy.
2. Many clients are unaware of the dramatic drop in Universal Life interest rates over the past 10+ years,
and that they have not met the original projections often used when the policy was sold. Many of these
clients even LOSE their policies due to increasing premiums caused by under-performance.
3. Insurance costs are declining as life expectancies grow longer, and newer policies may offer
GUARANTEED RATES AND PREMIUMS at a lower cost.
Proprietary Tools ...
For building a successful Road-Map:
Using tools and software we can run several different scenarios that will give you a fix on your current
situation and help you outline your future goals.
By evaluating your assets and liabilities we can offer you a realistic illustration of what you own and what
you owe, which is vital to mapping out your financial needs. We will look at assets such as your IRA,
calculate the value of your 401(k) or 403(b) and other workplace retirement plans.
Looking at other assets like annuities, life insurance policies, and equities will give you a real picture of
your investments in addition to physical assets such as real estate, the family home, or a business.
Unlike many insurance agents or Financial Planners, Equitas also employs software utilizing stochastic
projection (more commonly called a 'Monte Carlo Simulation' or MCS).
These calculations differ from antiquated and archaic "straight line" forecasting which can be deceptive and
These usual "straight line" forecasts used by many planners omit important variables in future projections
and is based on constant interest assumptions that are far removed from the realities of the market.
(samples for illustrative purposes only)
Through a simple discovery process that enables us to peel back the layers of financial clutter and tune out
industry static, we are able to get to the real financial issues and challenges confronting you.
Our primary goal is not finding you products to buy, but rather develop a conservative plan to help you
keep as much of your money as possible for yourself and future generations.
Equitas Advisors has state of the art modeling tools to help you analyze and map out your financial future,
but more importantly, we possess the good old fashioned COMMON SENSE to help you make the right
Equitas Advisors LLC
Products & Services
Why do a simple Policy Review?
Insurance and Financial Planning