Key Benefits

Among the key benefits ICM offers:  Helping clients avoid financial pitfalls.

As individuals or business owners/managers, all investors must cope with an increasing number of financial challenges in today's investing environment.  These challenges present complex investment opportunities - alternatives that offer rich rewards, but which require investment savvy that few professional investment counselors possess.  To take full advantage of these opportunities, ICM has built a diversified portfolio of products and services that fills a variety of investment needs - and avoids common pitfalls.

        As an investor, how would you avoid the pitfalls below?

                                            Clue:  Call ICM

#1 Stock Market Volatility

Stock market volatility is escalating dramatically.  How can I protect myself from the risk of these sudden changes?

ICM offers a balanced investment objective among other options.  It combines total return (including capital gains or losses as well as dividends and interest) with low volatility.  It mixes stocks, bonds and cash equivalents in order to diversify against risk.

#2 Imprudent Financial Decisions

Investors face a growing financial risk of the need of protection from oversight and errors.  How can I protect myself against misplaced judgments about the market, securities or products?

ICM innovative second opinion service offers protection for you from the risk associated with market judgments, security selection and the suitability of products to meet your needs.

#3 Complex Federal Regulations

Businesses must keep abreast of countless federal regulations in selecting and administering their employee retirement and other plans.  Who can help me as a business owner or manager survive in this expanding regulation environment?

ICM offers you the following types of plans for businesses and individuals:

For Businesses For Individuals
Simple IRA Plan Traditional IRA
(SEP) Simplified Employer's Plan IRA Rollover
401(k) Roth IRA
Profit Sharing Plan Educational IRA
Money Purchase Pension  

It has specialists in all areas of regulation, and it has many years of experience in administrating and implementing employee benefit plans.

#4 Shortsighted Retirement Planning

Retirement plan sponsors use different vehicles to invest retirement assets:  insurance companies, banks, mutual funds and trusts.  How can I be confident that my retirement plan is sound, and I will not outlive my retirement income?

ICM manages retirement plans and trust assets.  Keep your retirement plan and trust management affordable, simple and flexible.  Ask about commissions and surrender charges on insurance products and sales charges, expenses, 12b-1 fees and back-end loads on mutual funds.  ICM does not charge or take commissions.  Its fees are a percentage of your assets it manages.  Thus, its success depends entirely upon your success.  This can make a big difference in how much is paid, to whom, and how fast, and it can affect family relations for years to come.

#5 Failure to Recognize Income and Estate Tax Traps

Investors are interested in exerting control over their income tax and estate tax liabilities.  How can I, while still living, lower my income tax rate while still receiving income from my investments?

ICM manages tax-free municipal bonds.  It also manages charitable remainder trusts, generation skipping trusts and other giving trusts which permit continuation of current income, reduced income tax rates and lower estate taxes.  The average age when donors first name a charity in a will is 49 years old.  Start early and consult with your attorney