Joseph Mulheran, CLU^®, ChFC^®, is a Managing Director of Signature Private, the private client group of Highland which serves business owners and affluent families. He specializes in business, retirement, and estate planning strategies involving insurance products – life insurance, annuities, long-term care, disability, and life settlements. Planning advice and recommendations are developed through in-depth fact finding and goals-based planning, in close concert with investment advisors, private bankers, family offices, financial planners, accountants, and estate attorneys. Joseph, his wife, and three children reside in Edina, Minn.