What We Do
Over the years, we have been different things to different clients. To some, we’ve been their financial advocate. To others, we’ve been the life boat that rescued them from financial hardship. We’ve been called lifesavers, confidants, advisors and friends. But through it all, our purpose has always been to provide services that help people live an abundant life.
Insurance Planning
Acting as brokers, we work with a variety of companies to ensure the best products for our clients. Insurance products are often used to support retirement plans and financial strategies and include:
- Life Insurance
- Long-Term Care Insurance
- Disability Insurance
Investment Planning
Traditional investment planning firms prefer to work with institutions to select mutual funds for their clients. Our managed account program is different. Consisting of individually tailored portfolios of individual stocks and bonds. Our preference for investments and individual stocks/bonds results in greater tax efficiency and customization. We offer:
- Fixed & Income Annuities
- Fixed Index Annuities
- Variable Annuities
- Mutual Funds
- Managed Accounts
Retirement Income Strategies
We work with pre-retirees to create income strategies for a lifetime of financial confidence. Securing a reliable income source is critical to your successful transfer from the workforce to retirement. Our retirement specialists will speak with you about your long-term retirement goals and develop a plan to help you reach them.
Disclosure: Fixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company. Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated. Please consider the investment objectives, risks, charges, and expenses carefully before investing in Variable Annuities. The prospectus, which contains this and other information about the variable annuity contract and the underlying investment options, can be obtained from the insurance company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest. The investment return and principal value of the variable annuity investment options are not guaranteed. Variable annuity sub-accounts fluctuate with changes in market conditions. The principal may be worth more or less than the original amount invested when the annuity is surrendered. Mutual Funds are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing in Mutual Funds. The prospectus, which contains this and other information about the investment company, can be obtained directly from the Fund Company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.