The financial management process begins with an in-depth evaluation of your current financial situation. Once we've established your overall objectives, we’ll focus on your specific goals.



With changing economic conditions and market swings, we advocate investing sensibly over the long run and maintaining an adequate level of insurance coverage. We work with you side by side so that you’re confident in and comfortable with the financial suggestions we make.



Some of the services we offer:



Life Insurance



High quality, competitively priced Life Insurance products, including permanent, term, combination and variable policies. The cost of insurance has come down in the last ten years. People are living longer, to their 80s and 90s and insurance premiums have come down to reflect that.

Contact us for a complementary no hassle life insurance quote or policy review.

 

Annuities



We offer access to high quality, innovative Annuity Products. Choose from deferred and immediate annuities at variable and fixed rates of return.



Long-Term Care Insurance



Comprehensive Long-Term Care Insurance reimburses some or all of the costs of care received in settings such as the home, the community, alternate living facilities or nursing facilities.

Among people turning 65 today, 69 percent will need some form of long-term care, whether in the community or in a residential care facility. The median annual cost of care for a private room is at $91,615 (http://www.fhca.org/media_center/long_term_health_care_facts) and rising costs loom ahead.

A good way to help guard your savings and assets from the costs of long term care is with the protection of a long-term care insurance policy. There's more than the financial protection. You'll be providing better options for yourself and your family. Contact us to learn more.

Disability Income Insurance

Individual disability insurance is truly a basic concept. It is an insurance product designed to replace anywhere from 45-60% of your gross income on a tax-free basis should a sickness or illness prevent you from earning an income in your occupation.

Every disability insurance policy from every insurance company is very different, this is not a product to simply shop for the most competitive rate.

To buy the least expensive disability insurance policy on the market is to throw money away. The odds of getting paid a monthly benefit under the less expensive contract may be significantly lower than receiving benefits from a quality contract. What are your chances of becoming disabled?

Some of the carriers we offer are: