Personal Services

Personal Financial Services

Robert David offers the following Financial Services to his clients.

Annuities Fixed index and variable annuities can help put some safety back into your retirement.  Take the time to find out the facts about todays annuities products.  You can create your own pension using annuities with more peace of mind in retirement.

Mutual Funds# I help people invest using Mutual funds in qualified (before tax) or non-qualified (after tax) accounts.  Mutual Funds can be used effectively in IRA and Roth accounts.

Life Insurance Needs Selecting the right Life Insurance carrier product and amount can be a confusing task. Please use the financial calulator provided as a link on the first page of the web site to help determine how much life insurance coverage you may need. I'll then help you select the right carrier and product to protect your family and assets. Life insurance for the family is usually to protect against the loss of income and for paying off liabilities.

Mortgage Protection with Life Insurance Can you pay your home mortgage off if your spouse were to suddenly pass away? Review your needs for the right life insurance policy to help the surviving spouse and family with the needed funds in helping to pay the mortage. People can make the mistake of setting up mortgage protection through their mortgage company only to have the current mortgage carrier sell their loan. When this happens the insurance is cancelled. If you refinance with another mortgage company the life insurance with your current mortgage holder will be cancelled. The policy should serve you regardless of mortgage company or home. Do it separately!

Life Insurance Life Insurance Services include Term, Whole Life, Universal Life, Variable Life# and Survivorship policies.

Annuties Fixed Rate/Indexed Annuities and Variable Annuities are available through many good financially sound insurance companies.

401(k) or IRA Rollovers 1. Have you left a company with money still in a 401(k) plan? I can help you do a qualified rollover into your own IRA account for closer management.
2. Are you getting ready to retire and need experienced help in a Qualified Rollover, and then a monthly income from these dollars? I can show you how Mutual Funds# or Annuities can serve you.
3. I can help you fund your own IRA or Roth IRA account
4. Are you self-employed and need a retirement plan for yourself ? A Simplified Employee Pension Plan might be the right answer for you. SEPs allow the self employeed to set aside more each year then the traditional IRA.

Long Term Care Insurance Long Term Care insurance policies pay when your health insurance or Medicare may not. When a long term recovery period is needed in a nursing home or at home, a Long Term Care Insurance policy can help protect your financial assets and reserves.