Welcome Innovative Financial Concepts, LLC is a New Jersey based fully faceted financial services organization. With over 30 years of providing quality services to individuals and business professionals. We offer from basic personal financial planning, to intricate and advanced Estate Planning.Our business planning models include but are not limited to, complete employee benefits consulting, covering group medical, dental, life, short and long term disability and Long Term Care. For the executive, our services include, executive carve-outs for life and disability. We also offer expertise in the areas of Qualified retirement Plans and Non-Qualified Deferred Compensation Arrangements.