While the financial markets may seem uncertain at times and difficult to understand, our Investment Advisor Representatives work with you and your family to determine an appropriate long-term investment strategy.

It is important to us to understand your situation, overall needs, and long-term goals. Once we understand your situation, we will make recommendations and help put your plan in place. Together, we will determine a suitable investment style, based on an assessment of risk, to build an appropriate investment strategy.

Many of these plans begin with an actively managed investment strategy. With over 200 professionally managed investment strategies available, we can help you determine what best fits your needs. We use actively managed portfolios to move quickly in an ever-changing market environment. This allows us and the managers to react to short-term market conditions while also keeping your long-term goals in mind.

Over time, your investment needs may change. Our Investment Advisor Representatives work closely with you to review and update your asset allocation and risk profile as needed.

Some of the most common, most utilized, and yet most misunderstood financial products available to consumers today are annuities. We have found that the average person has no idea that there are four very different and unique types of annuities offered by insurance agents and registered investment advisors.

1. Income Annuity
2. Fixed Rate Annuity
3. Fixed Indexed Annuity
4. Variable Annuity

Safety of principal is the main reason Americans choose fixed-rate or fixed-indexed annuities. Other reasons consumers choose annuities include guaranteed income for life, reasonable returns, and tax-deferred growth.

Our retirement specialists work with you to determine your risk tolerance and financial goals/objectives. If it is their professional opinion that an annuity will work well in your retirement plan, they will explain their reasoning and educate you on which annuity type will work best in your plan.

Let us educate you about the advantages of annuities and why an annuity may be an excellent choice when creating your retirement plan.

Many people participate in 401(k), 403(b) or other retirement account options through their employer. These retirement plans allow employees to start saving for their future. And often, the employer matches employee contributions! Unfortunately, there is often little guidance given to the employee concerning how much he/she should contribute and what investment options to choose.

We can help! Our Investment Advisor Representatives can help guide you in making appropriate contributions to these plans. They can also help you determine potential investment options and meet with you periodically to make sure your retirement plan is still on track.

What do you do with your IRA or employer sponsored retirement accounts should you change jobs or retire? Our Investment Advisor Representatives continue working with you

and help you understand your withdrawal and rollover options. Just as they showed you guidance through your retirement planning years, they will continue to guide you through retirement!

Contact one of our Investment Advisor Representatives today and start planning the retirement of your dreams!

Life insurance is a very important component of financial and retirement planning. Would your spouse and/or children need financial support should you pass away? How would they survive without your monthly income? Would the house payment be made? Could your spouse afford automobiles, pay insurance, educate your children, and provide for other household necessities?

Many times, life insurance benefits are paid to a beneficiary(s) TAX FREE. And the younger and healthier you are, the lower your monthly premium.

Life insurance also allows you to leave a legacy and provide financial security for family members when you are gone. If you have large Traditional IRA’s, 401(k), 403(b) or other tax-deferred retirement accounts, your beneficiaries could be hit hard with taxes. Life insurance provides them with tax-free funds that could help alleviate the tax burden on withdrawals from those accounts.

Let our life insurance specialists work with you and provide the knowledge you need in order to provide for, and protect, your family.