The term financial services emerged in the 1990s as a result of legislation that allows companies that manage money to operate in more types of businesses. (Gramm-Leach-Bliley Act)

The result of this legislation has been more choices for consumers. On one hand, more choices can mean better products and prices. On the other hand, more choices can make it more complex to determine which products best suit your own situation.

As an independent agent, we thoroughly understand the financial products on the market today, and we represent numerous financial services companies offering a variety of product and price options.

Equally important, we listen. We take the time to understand your financial goals and help you put together a plan that works for you. As your life changes, we 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 provide an income stream back to the individual, 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Earnings on annuity investments are not taxable until the money is withdrawn.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 is a good fit with your retirement strategy.

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