Welcome to my Web site  I have been in the financial services business for 41 years. I retired from The New York Life Insurance Co. and Nylife Securities Inc. in 2008.  Since then I have worked as an independent financial services professional focusing on the pre-retired or retired individual. My home office has been located in Berlin, Md. for the past 11 years with an additional metro office in McLean, Va. I frequently service my clients and new referrals in the Washington DC area by appointment.  I consider it a pleasure to come to the Washington area for the day or evening to meet with people. Please read on for further information regarding my services. 

I have had a 41 year career of helping people with their financial needs.  For the last 24 years I have worked mainly with the retired or nearly retired individual. We have all seen how the volatile markets could negatively affect retirement plans for people in the recent past. I believe new approaches to this problem are the answer backed by good personal service. The answers are there, the products are available, there are strategies to help protect principle and income. What is needed is your time to talk with the right professional and I'm hoping to be that person.

References are available and I encourage you to use them.  I have worked with people for more then 30 years willing to share with you our success. Located in Washington DC, Northern Virginia, Prince Georges County, and Montgomery County Md. I have clients willing to talk to you and confirm the job can be done.  I also have clients on the Eastern Shore near Ocean City and Salisbury Md. available for reference as well.

*These testimonials are from a select group of Robert David's clients and may not represent the experience of other clients.  These testimonials should not be construed as indicative of future performance or success.

For the individual that is approaching 59 1/2 or over the following information is particularly important to you. You may have the right to do an in service qualified rollover of your 401k,403b, 457 and Government thrift savings program without penalty while still employed. This allows you to move the retirement nest egg you have accumulated with your employer into your own personal IRA for safer investment options. You can still continue making pre-tax payroll contributions until employment separation. Leaving what you have accumulated over the years of employment in the employer's program could subject you to further market volatility. Get information on this important option today.

Want to retire before 591/2 and not pay the 10% IRS penalty, you can!  A tax code known too little by the investor is (72t).  This IRS tax code allows the individual to use their IRA,401k, thrift savings,457, and 403b accounts as a monthly income for retirement before 591/2 with no penalties. Call me today regarding (72t) information for your early retirement. You can google 72t on the internet and find a calculator to help you research this benefit. Non Qualified annuities are covered under tax code (72q),  This allows income before 591/2 of non qualified annuities without the IRS 10% penalty as well.    

Prior to making any financial decisions you should obtain tax or legal advice from a qualified professional.  QCC and Robert David do not provide tax and/or legal advice.