Plan for tomorrow with wisdom and confidence.
In addition to a personal Financial Advisor, your Financial Services Team includes dedicated CERTIFIED FINANCIAL PLANNER™ professionals, insurance and annuity specialists, and experienced investment management analysts—all working to create a solid plan to give you the confidence to worry less about the future, and live more for today.
Since a good financial plan starts with your personal situation, we begin by listening to you. After outlining your life goals, quantifying expenses and financial resources, and defining your investment risk temperament, we customize an analysis to help you prepare for tomorrow—whether that includes saving for a child’s education, planning for retirement or passing on your estate.
Due to the potential complexity of insurance planning, we offer a complimentary review of existing life, disability and long-term care insurance policies. Our analysis of your insurance needs will provide additional comfort that you have the protection you need for your assets and loved ones, and if necessary, deliver cost-effective solutions appropriate for your desired level of coverage.
As a long-term investment vehicle, annuities* offer valuable retirement and legacy-planning benefits.
If you’re looking to grow an asset with a protected value for your spouse or other heirs, variable annuities offer the ability to invest your funds with many well-known investment managers, while providing a minimum value that will pass to your beneficiaries, regardless of investment performance.
Are you concerned about running out of money or market fluctuations’ controlling your retirement? What if you could invest today, and know exactly how much income to expect at retirement? What if that income had the ability to grow? Annuities are uniquely designed to provide lifetime income for you or joint lifetime income for you and your spouse.
If you’re seeking tax deferral, protection of your assets for heirs, or lifetime income, we offer fixed and variable annuities* from highly rated insurance companies and professional money managers. Ask your financial advisor for more information to determine if an annuity might be right for your overall plan.
If you already have an annuity, we can provide a complimentary review to determine if it’s still on track with your long-term goals. Our Financial Services Department offers more than 15 years of experience evaluating annuity contracts—experience we can put to work for you.
*Annuities are long-term investments intended for retirement planning. Withdrawals of earnings and other distributions of taxable amounts are subject to ordinary income taxes, and, if taken prior to age 59 ½, an additional 10% premature withdrawal penalty may apply. Fees and expense for these products may be higher, and the surrender period may be longer than contracts without these enhanced features and benefits. Annuity contracts may not be appropriate for some clients. You should carefully consider whether an annuity is right for you after a thorough discussion with your Financial Advisor. Certain benefits may provide reduced values at advanced ages, and insurance companies may force annuitization at a certain age. Please consider these items carefully before purchasing any annuity contract.