Financial Planning

While developing a customized financial program, we will walk you through a step-by-step process that will help make you feel confident in your decisions.

Once your goals have been established, we will customize appropriate strategies to suit your vision and objectives. We can help you execute a sound financial program utilizing the following products and services:

 

Investments

  • Brokerage Services
  • Portfolio Management
  • Retirement Planning 
  • Estate Planning
  • College Savings Plans
  • Variable and Fixed Annuities**
  • Mutual Funds
  • REITS

Insurance

  • Life Insurance
  • Disability Income Insurance
  • Long-Term Care Insurance
  • Medicare Supplements
  • Individual/Family Health Insurance

 


**Fixed Annuity - Early withdrawals may be subject to surrender charges. Withdrawals may be subject to ordinary income tax and, if taken prior to age 59½, a 10%  federal tax penalty may apply. Fixed annuities are not insured or guaranteed by the FDIC or any other government agency.

**Variable Annuity - Variable annuities are sold by prospectuses, which contain more complete information including fees, surrender charges and other costs that may apply. As with any investment, investing in variable portfolios involves risk, including possible loss of principal. Past performance is not a guarantee of future results.

Clients should read the product and fund prospectuses carefully before investing or sending money. Investors should consider the investment objectives, strategies, risk factors, charges and expenses of the underlying variable portfolios carefully before investing. The fund prospectus contains this and other information about the underlying variable portfolios.

Early withdrawals or surrenders may be subject to surrender charges. Withdrawals may also be subject to ordinary income tax and, if taken prior to age 59½, a 10%  federal tax penalty may apply. Withdrawals may reduce the death benefit, cash surrender value and any living benefit amount. Product, product features and rider availability vary by state. Issuer not licensed to conduct business and products not distributed in AK,HI, or NY.

Guarentees are based on the claims-paying ability of the issuer.