Our Services Planning We specialize in projecting cash accumulation needs, preserving savings, and transferring your legacy. With our experience in the industry, we've likely handled planning goals very similar to yours. Our planning services include:Retirement Needs projectionEstate Liquidity projectionWidow(er) Income Needs projectionCollege Funding projectionBusiness Value Estimate Wealth Accumulation & Income Products We are independent and licensed to help you with a wide variety of Investment products:Cash AccountsStock and Bond based Mutual Funds and Separate AccountsIndex, Variable and Lifetime Income AnnuitiesAlternative InvestmentsSEP-IRA and IRA Rollover accounts (including Roth)Corporate Retirement Accounts (401(k), Profit Sharing, etc.) Protection Products As licensed insurance brokers since 1983, we can provide a wide variety of strategies and Life, Disability and Long Term Care insurance product solutions:Personal Insurance:Family income replacementEstate liquidityFamily Legacy Business Insurance:Buy-Sell plan fundingKey Person insuranceExecutive Benefits fundingDeferred CompensationRestricted Access Bonus planPhantom Stock fundingSplit-Dollar strategiesFunding StrategiesPremium Finance funding programs A Few Examples of How We Help Clients How much will you need to retire -- after taxes? We offer a planning analysis to help you set your sights on a successful retirement. With all of the factors that can impact your retirement, we can identify an amount of money that you should strive to amass in order to meet your goal lifestyle.Strategies to Avoid Unnecessary Taxes. We can identify and minimize taxes on your hard-saved retirement assets. Why pay more taxes than you have to? Lifetime Income planning. We specialize in strategies that provide lifetime income. Depending on your specific situation, we can share a few plays out of our playbook that will let your retirement last indefinitely.Life Insurance Policy Review. A high percentage of our new clients have life insurance products that have not been reviewed for many years, and due to prolonged low interest rates, often the policies are underperforming. Also, many times we find that policies are not structured for maximum tax efficiency. We offer a complimentary review to assess if your existing plans are on track.Beneficiary Audit. We are constantly surprised how many of our new clients have IRA accounts, annuities and life insurance policies with outdated beneficiary designations. We make it a point to review all of our clients' beneficiary designations to avoid unexpected planning blunders.Business Value Estimate. Many of our clients are business owners and they do not know what their business is worth. We can help with a low cost business value estimate report that allows us to plan properly. Schedule a Conference Call Fiercely Independent ERSI is proud to be an Owner-Firm of Lion Street, Inc., a leading national financial services company owned by fiercely independent financial advisors. Based in Austin, Texas, Lion Street comprises of an elite network of firms who specialize in financial solutions for high-net-worth individuals, family offices, business owners and corporate clients. As Owner-Firms we gain favored access to insurance carriers and financial institutions, and the products and services they offer, enhancing our ability to meet the complex planning requirements of our clients.