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Text[0]=["","Subpage text; definition."]

/*dropdowns for Debt Management*/
Text[1]=["","Credit Protection incorporates thoughtful application of a series of lawful techniques that protect your assets from future creditors."]
Text[2]=["","Borrowing money can be a wise strategy to reach short-term goals. However, you should avoid carrying excessive debt. It is very important to balance your credit and liquidity to remain financially healthy."]

/*dropdowns for Education*/
Text[3]=["","Tax-favored investment accounts used to pay education expenses for private schools and college. The money invested can also be used to purchase books and other school related supplies."]
Text[4]=["","A tax advantaged investment tool that encourages savings for the future higher education expenses of your relatives or friends. The plans are administered by state agencies and organizations."]
Text[5]=["","Established to provide assets to a minor. According to IRS regulations, a person can gift funds to any other person with no tax consequence. If the recipient is a minor, the UGMA allows the minor to own the assets without involving an attorney to establish a trust.  When giving assets to a minor using a UGMA/UTMA, the donor appoints a custodian. The custodian is legally bound to prudently manage the funds in the UGMA/UTMA account.  The minor assumes control over the account once he or she reaches the age of 18 or 21, under state law."]
Text[6]=["","A trust is a contract established by a property owner to leave assets to his or her beneficiaries. Trusts provide a flexible process of asset protection. SC&H will work within the trust framework as part of our estate planning process."]


/*dropdowns for Estate Planning*/
Text[7]=["","The transfer of wealth combines trust, estate, and philanthropic strategies. SC&H will employ these strategies to minimize your tax burden while helping you to transfer assets efficiently to beneficiaries."]
Text[8]=["","SC&H will work with you to maximize the estate and income tax benefits associated with your planned gifts to charities of your choice."]
Text[9]=["","A trust is a contract established by a property owner to leave assets to his or her beneficiaries. Trusts provide a flexible process of asset protection. SC&H will work within the trust framework as part of our estate planning process."]

/*dropdowns for Income Protection*/
Text[10]=["","Includes medical and support services for people with prolonged illnesses or cognitive disorders. Long-term care is provided by nursing homes, assisted living facilities, and adult day care centers."]
Text[11]=["","Provides financial security for you and your dependents if you suffer from an extended illness or injury and can no longer work."]
Text[12]=["","A disability benefit payable after an insured satisfies a qualification, returns to work, and then suffers a loss of earnings directly resulting from a preceding disability."]
Text[13]=["","Incorporates the thoughtful application of lawful techniques that protect your assets from future creditors. These techniques aim to deter potential creditors from going after you, and if they do, to make it complex or impossible for them to seize your assets."]

/*dropdowns for Insurance*/
Text[14]=["","Estimates your current life insurance needs. Assists in calculating the amount of life insurance required to support your family in the event of a death of you or your spouse."]
Text[15]=["","Long term care includes medical and support services for people with prolonged illnesses or cognitive disorders. Long-term care is provided by nursing homes, assisted living facilities and adult day care."]
Text[16]=["","Provides financial security for you and your dependents if you suffer from an extended illness or injury and can no longer work."]
Text[17]=["","Ensures that you get the best possible insurance available in today’s market. We analyze and measure the effectiveness of your current life insurance plan, determines if it is working well and compare it to other available alternatives."]


/*dropdowns for Investment Planning*/
Text[18]=["","These components work together to allocate your assets among different categories of investments such as: stocks, bonds, mutual funds and money market funds.  We allocate assets and design your portfolio based on your needs, risk tolerance and time horizon."]
Text[19]=["","An approach that allows you to focus on other matters while our advisors dedicate the specialized expertise required to meet your investment goals."]
Text[20]=["","Creating and maintaining balance among various investments in your portfolio.  A diversified portfolio may include stock in several companies, mutual funds and government and corporate bonds."]
Text[21]=["","A range of investments that provide a pattern of investment returns that differ distinctly from the traditional stock and bond investments."]

/*dropdowns for Retirement Planning*/
Text[22]=["","An IRA rollover occurs when money is moved from a retirement plan into an IRA. This rollover helps to consolidate your retirement assets. With a thorough distribution strategy, you can reduce taxes on withdrawals and enhance your retirement investment goals."]
Text[23]=["","Prevents the disruption of your income in the event of a severe illness of injury."]
Text[24]=["","Successful planning for retirement income requires thoughtful consideration of income-producing investments, including corporate and government bonds, bank products, and annuities.  We will work with you in order to determine the appropriate fixed income vehicles for your retirement income plan."]
Text[25]=["","SC&H will work with employers to develop qualified retirement plan designs that are customized to meet their employee retention and tax-favored retirement benefit goals."]

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Text[26]=["","Note"]
Text[27]= ["","Note"]
Text[28]= ["","Note"]
Text[29]= ["","Note"]

/*dropdowns for Tax Planning*/
Text[30]=["","Proper income tax planning reduces taxable income while allowing you to keep more of what you earn. By correlating income tax planning strategies with other aspects of your investment planning program, you can significantly lower the impact of taxes on your portfolio."]
Text[300]=["","Estate taxes are paid upon your death if the net value of your estate is more than the amount exempted from taxes at the time."]
Text[31]=["","By minimizing the tax drag on your investment portfolio, your portfolio can compound earnings more efficiently.  SC&H will work with you to determine the appropriate mix of tax favored investments for your personal situation."]
Text[32]=["","SC&H will work with you to maximize the estate and income tax benefits associated with your planned gifts to charities of your choice."]
Text[33]=["","It is important that we help maximize your potential profit from stock options while protecting you from the risks involved. At SC&H, we implement a plan that tracks your options and helps you determine a tax efficient option exercise strategy."]

/*dropdowns for Busniness Planning*/
Text[34]=["","Business succession planning enables the transition of ownership from you to someone else. It also ensures that employees are recruited and developed to fill each key role within the company."]
Text[35]=["","The death, retirement, or disability of a business owner may lead to sale or closure of the company. A buy/sell agreement ensures an orderly transition of ownership and management, with appropriate funding strategies in place."]
Text[36]=["","Non-qualified retirement plans are flexible arrangements used to incent and retain key employees."]
Text[37]=["","Retention Plans put in place measures to promote and attract key employees. Life insurance, a key part of any succession plan, offers protection against the loss of a key employee. Upon the death of a key employee, life insurance provides the funds to settle the cost of recruiting, hiring, and training key replacements. It also provides capital for executive searches or to compensate for any losses resulting from the death."]


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