Insurance & Financial Services

Each stage of life brings different financial challenges and goals. My commitment as your financial professional is to help you protect what matters most. Our tools include Life insurance policies, disability-income Insurance, and long-term care insurance to protect your assets and manage your risk. For investment and retirement planning needs we offer annuities, IRAs, and mutual funds. In addition to solving individual financial challenges, I help businesses solve their challenges every day through business continuation funding, executive compensation funding and key person insurance.

Asset Protection and Risk Management

Disability Income Insurance

Disability Income Insurance and Absence Management Services offer employers effective solutions for managing disabilities and absences. We help employers maintain workplace productivity, reduce administrative expenses, and avoid penalties-while providing compassionate support to employees when they need it. Ask your Prudential financial professional how he/she can help you meet your disability income insurance needs.

Life Insurance

Life insurance is an important part of a sound financial strategy. It provides a valuable death benefit to your beneficiaries upon your death. Your beneficiaries can then use this money to replace some of the income you would have earned or to help pay off debts or other expenses. A Prudential financial professional can help you determine the type or types of life insurance best suited to your needs. By discussing and analyzing many factors, including your budget, the amount of coverage you need, and the length of time you'd like the coverage to last, he or she will help you find the right choice for you.

Long-Term Care Insurance

Long-term care insurance is another way to help guard against risk. A long-term care policy helps guard against the substantial loss of assets that can occur as a result of a chronic illness or disability. The cost of care for these services continues to rise. For many, long- term care insurance may be an economical way to pay for long-term care services.


Long-term care insurance is designed to pay for the care and services for those who are chronically ill and need substantial assistance with activities of daily living (eating, bathing, dressing, grooming, transferring, and toileting). In addition, individuals with cognitive impairments (such as Alzheimer’s disease or senile dementia) who are in danger of harming themselves or others could require constant care and supervision. A long-term care policy could offset some or all of the cost of care in those circumstances as well.

Investments and Retirement Planning Needs

Mutual Funds

Achieving your long-term goals takes careful planning and the appropriate investments. Prudential offers a number of ways to invest in mutual funds that are professionally managed by well-known, respected fund managers. Talk to your Prudential financial professional to find out which mutual fund best suits you.



When investing in mutual funds or variable annuities, Investors should consider the contract and the underlying portfolios' investment objectives, risks, and charges and expenses carefully before investing. The contract prospectus and the underlying portfolio prospectus contain information relating to investment objectives, risks, and charges and expenses as well as other important information. Contact your financial professional for the prospectuses. You should read the prospectuses carefully before investing. It is possible to lose money when investing in securities. Variable annuities are suitable for long-term investing, particularly retirement savings. Any guarantees are subject to the claims paying ability of the issuing insurer.

Annuities
Turn Challenges into Opportunities.
It's your investments' turn to do the hard work.


Whether you’re newly retired, getting ready to retire, or laying the foundation of your financial future, a good plan with the right strategies can help you meet the financial challenges you’ll face on your journey to your retirement. Our range of solutions can help give you the control and confidence you may need. Variable annuities have been around for some time, but our unpredictable market has given investors all the more reason to consider them as part of an overall retirement portfolio.

When you seek income growth & protection: Prudential Premier Retirement variable annuity with the Highest Daily Lifetime Income v3.0 optional living benefit

When you seek more predictable income: Prudential Defined Income Variable Annuity

When you seek tax-efficient growth: Prudential Premier® Investment Variable Annuity



Variable annuities are distributed by Prudential Annuities Distributors, Inc., Shelton, CT. All are Prudential Financial companies and each is solely responsible for its own financial condition and contractual obligations. Prudential Annuities is a business of Prudential Financial, Inc.

Investment returns and the principal value of an investment will fluctuate so that an investor’s units, when redeemed, may be worth more or less than the original investment. Withdrawals or surrenders may be subject to contingent deferred sales charges.

Prudential Annuities and its distributors and representatives do not provide tax, accounting, or legal advice. Please consult your own attorney or accountant.

Issued on contract: P-OB/IND(5/14), P-OC/IND(5/14), P-BBND(2/13), P-BLX/IND(2/10) and P-CR/IND(2/10) et al. or state variation thereof. Issued on rider: P-RID-ROP(5/14), P-RID-LI-DB(5/14) and P-RID-HD(2/14)et al. or state variation thereof.

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Business Planning Needs

Business Continuation Funding

Countless businesses have been reduced to a fraction of their value following the death or disability of one of the owners. The skill, knowledge, ability, judgment, leadership, and experience of a business’s key people make it possible for a business to produce profits. The loss of the talents of key employees, owners or otherwise, can financially cripple a company.


Consider: (1) What could happen to your business if something prevented you from returning to work, or you lost one of your key employees? (2) Would your business continue to run smoothly or would projects be stalled, customers lost, and productivity reduced? (3) Would creditors become nervous about continuing to extend credit? (4) How would the loss affect the bottom line of your business?


Regardless of your business structure, you need to help make sure that the business and your family are protected in case of your death or disability or that of another owner. Your Prudential financial professional can help with strategies focused on your successful business.

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Key Person Insurance

Key employees provide special administrative, sales, financial, technical, or other skills responsible for the success of the business. When a key employee leaves the company, becomes disabled, or dies, the business is robbed of valuable talent and skills. The loss of a key employee can have a significant impact on sales or customer retention, leading to lost revenue. Additional business dollars may be needed to attract, train, and retain a replacement. The result? Financial loss. Your Prudential Advisors financial professional can help with strategies focused on your successful business.


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