Personal Services

We offer a variety of products that can help you meet a number of insurance and financial goals.

Investments - We have available a wide array of products and services to help you develop a sound, long-term investment strategy. You can choose from over 6,000 mutual funds, self-directed, tax-deferred Individual Retirement Accounts (IRAs). We also offer products to fund plans for companies of all sizes, ranging from SIMPLE IRAs to full-service defined contribution and defined benefit plans.

*Securities are 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. And permanent life insurance offers many living benefits as well, such as tax-deferred accumulation. For all of these reasons, life insurance can be important for someone starting out — or for someone who's starting over.

 

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.


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


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.


You can cause 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.
   
• 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.

• Immediate Income Annuities - As the name implies, Immediate Income Annuities are annuities under which income payments begin immediately – one period after the annuity is purchased.

• Special Annuities - "Special Annuities" are actually two different annuity products in one. Our “Split Annuity” is used to generate income while preserving principal. Our “Income Enhancer” is used to generate income while accumulating money in a variable annuity# that has the potential to help you keep pace with inflation.