Variable annuities provide the opportunity for market appreciation — through a variety of investment options — with tax-deferral and future income. Variable annuities are designed for people willing to take on more risk in exchange for greater growth potential. While there is risk associated with a variable annuity, many offer guarantees of principal and downside protection at an additional cost and depending on contract rider availability. However, these guarantees do not apply to the investment performance or amounts held in the variable investment options.
Individual Retirement Accounts (IRAs) can provide immediate tax benefits that can lower your taxable income and enable assets you set aside for retirement or education funding to accumulate without immediate taxation. Contributions made to an IRA may be tax deductible and any earnings accumulate tax-deferred.
Many financial plans include at least some weighting in stocks and/or mutual funds. While historically equities have tended to rise in value over the long term, they carry a certain amount of risk, both for long- and short-term investors. It is therefore imperative that you have realistic financial goals and investment objectives in place before you begin to invest. Whether you are a seasoned or novice investor, the information in these links can help you learn about different types of financial products and services and which may be appropriate for you given your unique circumstances.
Mutual funds can be an integral part of a sound investment plan because they offer ongoing professional investment management and diversification across a large number of securities. Your Financial Professional can help you determine if mutual funds are appropriate, based on your unique circumstances. If you decide to purchase, you can choose from a wide variety of funds.
Term life insurance provides low-cost death benefit protection for temporary needs. It pays a level death benefit and does not build up cash value. Term insurance typically offers the most protection for your premium dollar, making it generally the most affordable type of insurance available value.
Whole Life Insurance guarantees a minimum death benefit (also known as the face amount), no matter how long you live, as long as premiums are paid. With Whole Life Insurance, your premium payments will stay the same for as long as you own the policy. Those payments are invested in the company’s general account, which in turn, guarantees that you or your beneficiaries will receive at least the policy’s guaranteed cash value or death benefit.
Universal Life Insurance provides death benefit protection, as well as a savings or cash value component. It builds cash value because the insurance company credits your policy each month with a fixed interest rate. You have some flexibility to pay your premiums in different amounts or at different times.
Variable universal life insurance provides death benefit protection, the potential to build cash value and flexible premium payments. Premiums are invested in your choice of underlying portfolios offering different levels of risk and growth potential. Any earnings generated from the investment options are credited to your policy’s cash value.
We are proud to say we have a 54% diversity in our offices. As a successful firm we believe that all types of people bring huge contributions to our team. We value those from all backgrounds, ethnicities and orientations.
Absolutely! We have several team members who have been in the armed services. We value their strengths, transferable skills and commitment.
We are a W2 firm that offers multiple compensation packages ranging from Salary + Bonus Incentive all the way to 100% pay per performance along with executive benefits
