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Educational Investment Counseling Supported by a Planning Approach
We consider our client's needs and objectives, including time horizon, risk tolerance and tax situation when developing investment portfolios. Based on these factors, we develop a strategic asset allocation plan for each client. This process diversifies portfolio assets into multiple investment disciplines within equities, bonds and cash. We encourage regular reviews and adjust portfolios when necessary due to changes in investment performance and our client's needs and objectives. We believe that financial planning is a process, not an event. We are committed to providing you with the trust and quality customer service you expect and deserve. The Planning Checklist: Cash Flow Management Short term Intermediate term Long term Savings Management Emergency reserve College funding Financial independence Retirement Risk Management Property & Casualty Health insurance Disability insurance Life Insurance Long term care insurance Estate & Tax Strategies Services Provided: Personal/Family Planning Services Risk analysis/Investment profile Current portfolio analysis Survivor Needs Analysis Retirement Planning Estate Planning College Education Funding Long term care Annual account reviews Business Planning Services Keyman Life Buy-sell funding Executive bonus funding Deferred compensation plans Disability buyout Plans Offered: Investent Plans IRA rollovers IRAs Roth IRAs Roth Conversions Tax sheltered annuity* Fixed & variable annuities* Mutual funds* Municipal bonds/UITs* Stock & bond trading* 529 Plans for college savings* Business Retirement Plans Pension plans Profit sharing plans SEP plans 401-K plans Simple plans TSA (Tax sheltered annuities)* Retirement plan distributions Insurance Plans Term life Variable life* Universal life Survivorship life Juvenile life Whole life Disability income Long term care (LTC) Financial Services Staff Investment Advisor Representatives Eric Montgomery - ext. 114 monty@montinsinv.com Don Cain - ext. 113 doncain@montinsinv.com Division Manager, Investment Advisor Representative Roy Montgomery, CLU, ChFC - ext. 112 roy@montinsinv.com Administrative Assistant Margaret Stidham - ext. 116 mstidham@montinsinv.com Computer Operator/Admin. Asst. Mary Cox - ext. 117 mcox@montinsinv.com DISCLAIMER - Securities and investment advisory services offered through Tower Square Securities, Inc., a member of FINRA / SIPC. Montgomery Insurance and Investments Agency, Inc. is not a registered investment advisor or a securities brokers dealer and has no affiliation with Tower Square Securities, Inc. Eric Montgomery is licensed in AL, CA, FL, IL, IN, MA, MI, MO, NC, OH, PA, VA, VT, and WI for the sale of security products. Roy Montgomery is licensed in AL, CA, CO, FL, GA, IA, IL, IN, KY, MA, MI, MN, MO, NC, NJ, NY, OH, PA, SC, TX, VA, VT, WI and WV for the sale of security products. Don Cain is licensed in OH and NC for the sale of security products. Privacy Statement for Tower Square Securities |
SERVICES : Financial Services EMPLOYER SUPPORT FOR LONG TERM CARE INSURANCE GROWS Nov 8, 2007 by Insurance Newscast More than 90 percent of employers offering long term care insurance at the workplace today are willing to help pay for the benefit, Unum (NYSE: UNM) reveals in its second annual Landscape of Long Term Care. This is a dramatic shift from the 100-percent employee-paid coverage that represented most of the market in earlier years.  MORESERVICES : Financial Services IRS ANNOUNCES INCREASED DEDUCTIBILITY LIMITS FOR LONG-TERM CARE INSURANCE Oct 29, 2007 by Insurance Newscast Small business owners are still unfamiliar with their ability to deduct 100% of their costs for long-term care insurance. The Internal Revenue Service (IRS) has announced increased deductibility levels for long-term care insurance policies purchased in 2008. MORESERVICES : Financial Services THE HIGH COST OF LOW COVERAGE Oct 12, 2007 by More than 40% of U.S. households believe that either they need to buy life insurance or they need to increase their existing coverage. The average difference between the amount of coverage they think they need and what they actually own is about $200,000. MORESERVICES : Financial Services AMERICANS NOT PLANNING FOR DISABILITY DISPITE ODDS Sep 19, 2007 by Insurance Newscast Though the odds of disability run high for American workers, only 3 percent have enough disability insurance to replace all of their income, according to a new survey by COUNTRY Insurance & Financial Services. Further, more than one-third (35 percent) say none of their income would be replaced if they were unable to work. MORE |
| Xenia: 114 South Detroit Street • Xenia, OH 45385 • (937) 372-7646 Jamestown: 1 West Washington Street • Jamestown, OH 45335 • (937) 675-9321 |
| CD200601302 Exp 07/2007 |