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, mutual funds and managed money accounts. 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 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.
Investments and Retirement Planning Needs
Education Savings Accounts
An Education Savings Account allows you to set aside money now to help pay for a child's current or future qualified education expenses. The benefit of contributing to an Education Savings Program is that while contributions aren't tax deductible for federal tax purposes, earnings grow on a tax-deferred basis and earnings used for qualified expenses are federally income tax free. Plus, you retain control since all final investment decisions are entirely up to you. Speak to your Prudential financial professional who can help to assess your particular situation and structure an investment program specifically designed to help you achieve your goal of financing your child's educational expenses.
When considering a 529 or Educational Savings Plan, the investor should consider, before investing, whether the investor's or designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in such state's qualified tuition program. Rules governing these plans are varied and subject to change.
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.
Whether consolidating several IRAs into one, rolling a lump-sum distribution into an IRA to maintain tax-deferred status, or simply organizing your distributions, an IRA offers convenience and ease of money management. Contact your Prudential financial professional to find out which IRA best suits your financial goals.
Managed Money Accounts
Investing in an advisory program goes beyond the selection of individual investments. Advisory accounts are investment programs that are tailored to your specific financial needs. Working with your Prudential financial professional you create an investment program based on your particular situation and financial goals.
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.
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.
Executive Compensation Funding
As a business owner, you are keenly aware of how difficult it is to attract and retain key personnel. Your Prudential financial professional can help you sort through your options, both traditional and nontraditional, to design an effective executive compensation plan that will help you not only attract, reward, and retain executives and key employees, but it will also provide your business with important financial advantages. There are 5 typical types of non qualified benefit plans – 162 bonus plan; restricted employee bonus arrangement; split dollar funding arrangement; deferred compensation; and supplement employee retirement plan. Your Prudential financial professional can provide you with complete details and more information on how they can fit your business’ needs.
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.