Established in the mid 1980’s to better serve the growing needs of a more diverse clientele, the Employee Benefits Department is now an integral part of the total client solution that is the benchmark of Howard W. Phillips & Company. Providing timely advice and service in an ever changing environment, the Employee Benefits Department works with groups of as little as 2 to as many as 500 or more employees. Through strategic alliances and consulting agreements with a number of experienced and well respected administrators and professionals, we are uniquely qualified to provide all aspects of Employee Benefit planning from market analysis and implementation to employee communication and customer service. Our in-house service team lends a personal touch to day-to-day customer service and administration and is, in most instances, the first point of contact for many of our client groups. Independence coupled with our longstanding relationships with many of the market leaders in employee benefits insures that our clients are receiving the best value for their benefits’ dollar both now and for years to come.

Group
Medical
Dental
Life
Short & Long Term Disability Income
Vision
Long Term Care

Retirement Plans
401(k)
Pension
403(b) tax sheltered annuities
457 plans for non-profits

Flexible Spending Accounts (FSA)
COBRA Administration & Billing
Human Resources Consulting
Voluntary and Work Place Benefits Programs
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Recognizing that top and mid-level executives have unique benefit needs, Howard W. Phillips & Company works with corporate and business clients to design and implement executive compensation programs that provide the added edge needed to attract and retain key employees.

Supplemental Life Insurance
Supplemental Disability Income
Key Person Life & Disability Coverage
Deferred Compensation
Long Term Care
Supplemental Retirement Plans
Annuities
Executive Reimbursement Plans
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Corporate clients rely on Howard W. Phillips & Company to protect the continued viability of their businesses with careful planning and insightful advice gained from years of experience working with business owners and their other professional advisors.

Buy Sell – Business Succession Planning
Key Person
Deferred Compensation
Executive Benefit Plans
Estate & Business Planning
Retirement Plans
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Protecting you and your family from the many risks during your lifetime and working with you to plan for a secure future, Howard W. Phillips & Company is a trusted ally as you strive for peace of mind.

Estate & Financial Planning
Life Insurance
Disability Income
Long Term Care
Medical
Annuities
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