Financial Services

The term financial services emerged in the 1990s as a result of the Gramm-Leach-Bliley Act.  This is legislation that allows companies that manage money, such as banks and insurance companies, to consolidate or merge. The result of this legislation has been an increase in the number of choices available to consumers. On one hand, more choices can mean better products and prices. On the other hand, more choices can make it more difficult to determine which products best suit specific situations.

As independent agents, we thoroughly understand the financial products on the market today. Additionally, we represent numerous financial services companies, all of which offer a wide variety of product and price options.

We promise to take the time to understand your financial goals and help you put together a plan that works for you. As your life changes, we will stay with you, helping you make adjustments so your plan stays relevant.

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Under the terms of an annuity, an individual agrees to make regular payments to an organization, usually a life insurance company. The funds are invested and are later returned to the individual in the form of an income stream, usually during retirement years.

Earnings on annuity investments are not taxable until the money is withdrawn. There are no limits on the amount of money that can be placed in an annuity, and the minimum withdrawal requirements are more liberal than many other retirement instruments.

There are many different types of annuities. We understand them all, and we can help you determine if an annuity fits well with your retirement plan.

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