Personal Services

Personal financial planning is a proper financial management to achieve your goals in the short and long term, utilizing products like but no limited to Mutual Funds and Annuities.

Mutual Funds
Mutual Funds is an investment vehicle that is made up of a pool of funds collected from many investors for the purpose of investing in securities such as stocks, bonds, money market instruments and similar assets.

Annuities
Annuities can be used to help you increase your savings, protect what you've saved, or generate a stream of income.

Homeowners Insurance

Homeowners is a policy designed to protect your residence and household personal property against economic loss.

An annuity is a contract between you and an insurance company that is designed to meet retirement and other long-range goals, under which you make a lump-sum payment or series of payments. In return, the insurer agrees to make periodic payments to you beginning immediately or at some future date.

Managed Accounts
We offer a fee based (not comission based) investment management approach that is designed with your particular needs and objectives in mind. This type of approach provides greater transparancy than the typical comission based approach, while providing you with the liquidity and control that desire. Fees are based upon the level of services required and agreed upon in writing before management of your account begins.

Umbrella Coverage

Umbrella is a Liability insurance policy that provides protection against claims that are not covered, or are in excess of the amount covered, under a basic liability insurance policy.
Plan for your retirement securing a steady cash flow for the years to come.

Contact us today for more information about Personal Insurance and/or Personal Financial Planning or fill out our online quote request form.

Health Insurance

Disability Income

Insurance

Auto insurance

Auto insurance usually covers you for damage to your vehicle and liabilities you might incur through accidents. It may also cover certain medical expenses.

Disability Income Insurance, is a form of insurance that insures your earned income against the risk that a disability creates a barrier for you to complete the core functions of your work.

Personal Financial Planning and Insurance

Life Insurance

Life insurance is a crucial step in planning for your future and your family’s future. It can fulfill promises and obligations to your family if you are no longer living.
The death benefit is income-tax free, to the beneficiary, and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes or any other expenses your survivors may incur.

Life insurance may also be used to help ensure that a family business will pass to your intended survivor. There are also benefits to certain types of life insurance plans during your lifetime.

Contact us today for more information about Life Insurance or fill out our online quote request form.

Long-term Care Insurance

Long-term care insurance covers care generally not covered by health insurance, Medicare, or Medicaid.

Individuals who require long-term care are generally not sick in the traditional sense, but instead, are unable to perform the basic activities of daily living (ADLs) such as dressing, bathing, eating, toileting, continence, transferring (getting in and out of a bed or chair), and walking.
Benefits paid from a long-term care contract are generally excluded from income.

Plan for your retirement securing a steady cash flow for the years to come.

Contact us today for more information about Personal Insurance and/or Personal Financial Planning or fill out our online quote request form.

Not all employers offer health insurance. You might find this to be the case with your job, especially if you work for a small business or work part-time.

There are several different types of individual health insurance. You can get fee-for-service, HMO or PPO plans, but you should know the differences and coverage limitations before making any purchase decision.

You need to consider the benefits of each policy - compare plans carefully for both cost and coverage.

Contact us today for more information about Health Insurance or fill out our online quote request form.

Financial Planning

Health care costs are high and getting higher. Who will pay your bills if you have a serious accident or a major illness? With health insurance, you protect yourself and your family in case you need medical care that has the potential to be very expensive.