William J. (Bill) Kalmer has been in the practice of life insurance since 1968. His specialty has been in working with executives/owners of medium to large private and public Corporations to provide them with creative financial solutions to the problems created by premature death and disability. These concepts include estate planning strategies to minimize the impact of the federal estate tax, business continuation plans to assure a smooth transition to surviving owners of a business, and qualified retirement plan counselling. Through consistent effort and a reputation for integrity, the Firm has built a solid base of satisfied clients who are pleased to recommend the services of Bill Kalmer to their friends and colleagues.