PERSONAL STRATEGIES

Investment Products

• Mutual Funds
• Unit Investment Trusts
• Variable Annuities
• Direct Participation Programs
• Securities Brokerage Services

Financial Resources Services

• Life & Disability Income Insurance Needs
• Long Term Care Insurance
• Review of Savings and Investments
• Budgeting and Cash Flow Study

Retirement Products & Services

• (IRA’s) Individual Retirement Accounts (Roth / Traditional)
• Fixed and Variable Annuities
• Retirement Needs Review
• SEP Plan

Tuition Funding

• 529 Plans* / UGMA’s
• College Funding Analysis
• Analysis of Investment Alternatives
• Insurance and Investment Products

Estate Planning

• Estate Preservation
• Tax Reduction Strategies
• Charitable Giving

Employee Benefits

• Health Insurance (Trad., HAS, HRA.)
• Group Life
• Group Dental
• Group Disability (STD & LTD)
• 401(K) Plans & Pension and Simple IRA’s
• Non-Qualified Retirement Programs
• Payroll Deduction Plans