Strategies for Individuals

1. Fixed Income Investments

• Mutual Funds (income-oriented)
• Unit Investment Trusts (income-oriented)
• Municipal and Government Bonds
• Money Markets
• Certificates of Deposit

2. Equity Investments

• Mutual Funds (growth-oriented)
• Large Cap Growth/Value Funds
• Small/Mid Cap Growth/Value Funds
• International Equity Funds
• Asset Allocation Funds
• Sector Funds
• Unit Investment Trusts (growth-oriented)
• Publicly Traded Stock

3. Individual Education Planning

• Traditional and Roth IRA
• Coverdell Education Savings Account
• 529 Plans

4. Investment Accounts

• Clients have access to a broad array of brokerage and advisory accounts.

5. Life Insurance

• Annual Renewable Term
• Level Term — 10-, 15- and 20-Year
• Whole Life
• Universal Life
• Variable Universal Life
• Survivorship Variable Universal Life
• Indexed Universal Life

6. Annuities

• Fixed (single flexible & immediate)
• Variable Annuities (immediate & flexible payment)
• Group Annuities (qualified retirement plans)
• Equity Indexed Annuities

7. Disability & Long Term Care Insurance

• Individual Disability Income
• Individual Long-Term Care

8. Financial Planning

• Non-Fee Needs Analysis
• Personal Financial Plans
• Focused Needs Plans
• Personal Financial Plans with Estate Planning Strategies