Services & Products

 

THE VALUE OF INDEPENDENCE

We pride ourselves on the fact that we have chosen to be an independent financial planning firm.  While we have full access to all of the products that any other firm may offer, we do not have any corporate directives that might urge us to sell proprietary products.  This deliberate choice on our part to remain independent, allows us to choose products for you that meet your needs.

We offer a complete line of investment products, which corners of the investment world; both domestic and international.  We have access to any investment products that over all you may wish to add to your portfolio*. 

 

FULL SERVICE

 Here is a partial list of the products we offer:

  • Traditional IRAs
  • Roth IRAs
  • Simple IRAs
  • 401(K)s
  • 412(I)
  • SEP IRAs
  • Stocks
  • Corporate Bonds
  • Mutual Funds
  • Municipal Bonds
  • REITs
  • Treasuries
  • Fixed Annuities
  • Index Annuities
  • Universal Life Insurance
  • Indexed Life Insurance
  • Variable Life Insurance
  • Term Life Insurance
  • Disability Insurance
  • Long-Term Care Insurance
  • Limited Partnerships
  • Individual & Group Health Insurance

 * Some investments offer guarantees, while others involve certain risks.  Stocks have historically outperformed other asset classes over the long term, but tend to fluctuate more dramatically over the short term.  Bonds are affected by changes in interest rates and the creditworthiness of their issuers.  Bonds are particularly sensitive to interest rate movements and generally move in the opposite direction of interest rates.  Foreign investing, especially in developing countries, carries additional risks such as currency and market volatility and political or social instability.  These and other risks are discussed in each product's prospectus.