Our Products


Our first products are strategies and education.  Making you as informed as possible is our first step in any financial discussion.  Then, with the variety of financial products we provide, we can help you meet a number of business and personal financial needs.   Please be aware that we are an independent firm.  That means that we are able to pull from the entire marketplace and do not have to provide you products or solutions from only one company.

That said, please make no mistake about this.  Our preference is to work with ONLY the best companies in the industry as we both see them and as we explain to you.  Though we can place you with less stellar companies, we only do this when a better option is not available to you, and you have been fully informed as to the reasoning.

Please review this partial range of products and contact us to help you fully analyze your needs and recommend appropriate solutions.

- We offer comprehensive products and services to help you develop a sound, long-term strategy. Our firm can provide access to stocks, bonds, Exchange Traded Funds, Mutual Funds, and a wide range of equity products# and account types like IRAs and SEPs and whatnot.

#Offered by NYLIFE Securities LLC (member FINRA/SIPC).


Life Insurance - Many people think that life insurance is only for people with families. While it is true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession or charitable giving plan. Permanent life insurance offers many living benefits as well, such as tax-deferred cash value accumulation. In addition, many of the wisest financial minds are coming back to permanent life insurance as a solid part of an overall investment portfolio.  For all of these reasons, life insurance can be important for someone starting out,  for someone who's starting over - or for someone who has arrived.

You can use the articles on this page to learn more about the various types of life insurance that are available.

  • Whole Life - Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred.   
  • Term Life - Term Life policies provide coverage for a specific amount of time – such as 5 years, 10 years or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.    
  • Universal Life - Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life, as long as premiums are paid. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change. The policy will terminate if at any time the cash surrender value is insufficient to pay the monthly deductions. This can happen due to insufficient premium payments, if loans or withdrawals are made, or if current interest rates or charges fluctuate.
  • Variable Universal Life# - Variable Universal Life combines the premium and death benefit flexibility of a Universal Life policy with investment opportunities. You can allocate your premium amongst a variety of professionally managed investment divisions plus a fixed account. Assets allocated to the investment divisions are subject to market risk and may lose value. Of course, with investment opportunities comes risk along with the potential for reward.    
  • Survivorship Life - Covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.

# Offered by NYLIFE Securities LLC (member FINRA/SIPC).


Annuities - An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump-sum of money into a guaranteed stream of income payments.  For those looking for a guaranteed lifetime income, you may be amazed at how these products pay out.  Also, not all annuities (nor life insurance) is the same.  Remember that when you are counting on these products to take care of you and your family, please consider the ratings of the companies you are considering.

Deferred annuities offer the advantage of tax-deferral and can be used to accumulate money for retirement.

You can use the articles below to help you learn more about which annuity might be right for you.

  • Variable Deferred Annuities# - A Variable Deferred Annuity offers the advantage of tax deferral and can be used to accumulate money for retirement. The policy’s accumulated value – and sometimes the amount of monthly annuity benefit payments – fluctuates with the performance of your investment account. There are fees, expenses and risks associated with the contract. Please be aware than assets allocated to the investment divisions are subject to market risks and will fluctuate in value. 
  • Fixed Interest Deferred Annuities- With a Fixed Interest Deferred Annuity, the interest rate on your policy is guaranteed never to fall below a certain amount. For many people, this provides a measure of security about their investment.

# Offered by NYLIFE Securities LLC (member FINRA/SIPC).

Income annuities are used to generate a stream of income payments that is guaranteed to last for as long as you need it to – even for the rest of your life - even for longer!

Lifetime Income Annuities - An income annuity where income payments begin immediately - one period after the annuity is puchased. It is designed to provide you with predictable income monthly, quarterly, semi-annually or annually, no matter how long you live, and regardless of how the financial markets perform.


Long Term Care Insurance - Long-Term Care Insurance is still a relatively new type of insurance product. Many people do not understand what long-term care insurance policies cover, how and when the policies pay benefits, and who should obtain coverage.  While most may see it as "Nursing Home Insurance", when designed properly, it keeps you in your home and independent longer.

Other Products - Other products, such as Disability Income Insurance, Individual and Group Health Insurance products, Property Casualty, etc.

 Health Insurance - Our firm can provide solutions to your Health Insurance needs, whether you need individual insurance for you and your family, or are looking to provide Group Insurance for your small business needs.  We can offer access to a wide range of companies that specialize in different needs. 

 It can be a very confusing and sometimes daunting experience trying to figure the best Health insurance plan. Count on our experience to walk you through all the options and provide the guidance you need. As independent brokers, we have the ability to access a wide variety of carriers and plan types, allowing us to design the right Health insurance plan for you.
-  Do you need an HSA, HRA, Self-Funded Plan, High or Low Deductible, or have other needs?
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Property and Casualty Insurance  We all understand the concept of having liability insurance to protect us and minimize our risk exposure. But what is the right amount that is needed, and how do I know if I am getting a reasonable price?
Our firm can provide you a thorough analysis of your current Business Insurance plans, Homeowners and Automobile policies, Umbrella plans, and any other insurance risk needs you may have. We utilize carriers that are AM Best A Rated Companies and we operate our firm with the core values of Stability, Service, and Quality in everything we do.
We work with the industry leaders in the P&C world and commit to our clients the highest degree of professionalism, ethics, and customer service possible.

Need a little help in deciding which products would be right for you and your family or for your business? Please do not hesitate to contact us for additional information. We can help you analyze your needs and recommend appropriate products.