Products & Services

Investment Division

Each client has their own unique needs. Our firm is dedicated to making available a wide variety of products and services so that our advisors have the option to provide the broadest array of choices for the benefit of their clients.

Investment Account Features

• Individual, Transfer on Death, Joint and Trust Accounts
• IRA’s and qualified plan accounts
• Free Check Writing
• Account access online
• Margin Accounts
• Collateral Accounts / Secure Prime Line (line of credit)

Investment Advisor Division

Our Investment Advisor Division provides clients access to a broad range of fee-based products and services, such as:

• Financial, Insurance and Estate Planning
• Individual Institutional Money Managers
• Wrap Fee Mutual Fund and ETF Programs
• Financial Advisor as Manager (discretionary or non-discretionary)

The majority of our advisory programs charge fees based on a percentage of the assets under management. Financial Advisors may also offer the option of stand-alone services (with or without managing the client assets) and charging an hourly fee or even a flat retainer fee if that is the preference for the advisor and the client.

The fee-based programs we have available may utilize one or more types of investments. These programs include, but are not limited to, institutional open-end mutual funds, closed end funds, exchange traded funds, individual stocks and bonds, no load UIT’s and structured products. The type of advisory program you choose may impose limits on the use of some of the above investment options.  

Insurance Division

Our Insurance division offers a comprehensive set of products for both individual and corporate clients:

• Health Insurance / Self-funded Plans
• Life Insurance (all varieties) / Disability Insurance
• Fixed, Indexed and Variable annuities
• Keyman Buy/Sell, Cross Purchase, Split Dollar and other sophisticated insurance programs for executives
• Dental / Vision
• Long Term Care

Qualified Plans

• 401(k) options 
• Pension and Profit-Sharing Plans
• SIMPLE IRA
• SEP IRA

Retirement Plan Support

The Qualified Plan area is complex and unforgiving when mistakes are made. Let us, and our partnerships with other third parties with expertise in this area, help business clients with plan alternatives and support when creating and implementing retirement plans for their organization. Services offered include:

• Review and comparison of qualified plan options, such as Profit-Sharing, 401(k) and Defined Benefit Plans
• Access to a significant number of mutual fund families, with access to stable value accounts
• Sample retirement plan illustrations
• Plan evaluation, including plan design and possible plan redesign
• Plan conversion coordination
• Recordkeeping and administration via third party administrators