Tax Planning (E1912769)

Alan A. Davidson, Esq., is a tax, estate and business attorney with his own firm located in Elmwood Park, NJ. His practice includes estate planning and administration, individual and corporate tax planning, business agreements (including stockholder, partnership and operating agreements, employment and deferred compensation ageements) as well as purchases and sales of closely-held businesses. Mr. Davidson was graduated with a B.A. in Economics in 1971 from Rutgers University and received his J.D. from Rutgers in 1974. He also was awarded a Masters of Law in Taxation from New York University in 1977. Mr. Davidson is a member of the Bergen County and Northern New Jersey Estate Planning Councils and a member and past president of the Greater New Jersey Estate Planning Council., In addition to estate, tax and corporate matters, his firm also handles real estate and commercial transactions and has cooperative arrangements with local firms to help clients with negligence and matrimonial matters as well as general, commercial and estate litigation.

Kenneth A. Horowitz entered the life insurance business in 1989 after a short career in the commercial real estate finance business with a leading NYC based commercial bank. He became affiliated with The Guardian Life Insurance Company of America, New York, NY as a Field Representative with the Compain Anderson Group and went on to qualify for the company’s prestigious Awards Club for many years.

After merging with another NYC based Guardian agency in 2000, Strategies for Wealth, Ken’s services grew more comprehensive by providing clients a distinct financial planning process. His commitment to the financial services business is exemplified by qualifying as a Chartered Life Underwriter (CLU®), a Chartered Financial Consultant (ChFC®), as well as becoming a Registered Representative (Series 7) and IAR (Investment Advisor Representative) of Park Avenue Securities, Guardian's broker-dealer and investment advisor arm.

Through Ken’s specialty in the area of disability income planning, he wrote an article on tax issues and the benefits of qualified sick pay plans entitled “Tax Trap” published in the September 1999 issue of the Journal of Accountancy, which has been reprinted in various legal periodicals.

In 2007, Ken created an alliance with Integrity Advisors Pension Consultants Inc., a 50 year old pension consulting firm, based in Rye Brook, New York. Their team of actuaries design and implement profit sharing and pension plans for small to medium size business owners. Providing seminars to the CPA community and their knowledge of pension legislation has allowed Integrity Advisors to create a niche in this segment of financial services. Ken recently authored two articles in the May and November 2011 issue of Advisor Today on the new tax benefits of qualified retirement plans to business owners resulting from the Pension Protection Act ’06. The second article discusses the enhanced protection and income benefits of variable annuity contracts.

In 2010, Ken took over the stewardship of another long time established Westchester based pension and financial services firm, National Pension Consultants II. Since this merger, Ken created Integrated Benefit Consultants.

Ken received his MBA from Hofstra University. He has always given his time to help various charitable and local organizations. Some of his affiliations include: Head of the NJ Chapter of Hofstra University Alumni Association; Executive Board Member of Albert Einstein College of Medicine; Penn State Parents Association; Y-JCC of Bergen County; The Loomis-Chafee Alumni Association; and member and coach of the Woodcliff Lake Basketball Association.

Ken is licensed to conduct insurance and investment business in several states across the country.

Michael F. Ostuni, Jr. is the owner of PenServ, Inc. Michael has over 30 years of experience in the pension and actuarial field. Prior to joining PenServ, Inc., Michael was Vice President of Madison Pension Services, Inc. Michael is a Qualified Plan Administrator, a Qualified 401(k) Plan Administrator and a member in good standing of the American Society of Pension Professionals and Actuaries.