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Our Services
Because we are independent from any specific product-providing company, we can create plans and make recommendations without sales quotas or “behind the scenes” pressures of any kind.
Insurance Consulting and Placement
Using a structured financial interview, we will gather both objective and subjective information about you and your finances, and in the process help you define your financial goals.
Information is usually gathered in each of the following areas
Your Residence
Emergency Funds
College Funding Issues
Retirement Planning Issues
Other Accumulation Goals
Life Insurance
Disability Income Insurance
Outstanding Debt
Investment Experience
Plus More
From there, we will create a customized plan for reaching those goals, review the plan with you, and then help you implement the plan.
Depending upon the size of the account, we can manage money under either a fee or a commission structure. We commonly work with clients in managing investments in the following areas.
Retirement Planning
Accumulation Planning – for those in pre-retirement
Income Withdrawal Strategies – for those approaching or in retirement
College Funding
General Wealth Accumulation
Through our Broker/Dealer, Mutual Service Corporation, we have access to the insurance brokerage services of one of the largest insurance brokers in the nation, BISYS. Their resources help us to find the right company to meet your insurance needs.
We also subscribe to an insurance database that tracks the term life insurance premiums of a few hundred companies. When selecting a carrier to apply for coverage with, we run a search of companies with strong financial ratings, premiums that are guaranteed not to change, and the lowest possible cost.
We provide services with each of the following types of insurance:
Life Insurance
Disability Income Insurance
Long-Term Care Insurance