Products and Services
As an investment service Protective Financial Services offers professional financial planning and investment advice. Services Include:
Retirement Planning: We use Traditional IRAs, Roth IRAs, Variable Annuities, Fixed Annuities, other Tax Advantaged Investments and Mutual Funds to develop retirement plans to meet individual needs. We can establish group or individual retirement plans such as SIMPLE IRAs, 401(k)s and Simplified Employee Pension (SEP) plans. We provide advice to clients regarding their externally held 401(k)s and other employer retirement plans and assist them in rolling over the proceeds when they have a change of employment status.
Education Planning: We use a combination of Uniform Gift To Minors Accounts (UGMAs), 529 Plans and other Tax Advantaged savings accounts to fund educational needs.
Estate Planning: We work closely with Attorneys and Certified Public Accountants to protect our clients' estates from excessive taxes and preserve assets for future generations. We use many vehicles to accomplish these goals to include Irrevocable Life Insurance Trusts, Credit Shelter Trusts, Charitable Remainder Trusts, and Special Needs Trusts.
Other Financial Planning: We also assist our clients with spending plans and cash flow management, and establishment and funding of Health Savings Accounts.
Risk Management & Insurance Planning: We offer individual and business insurance planning and advice. Services Include: Individual Life Insurance, Key Person Insurance, Buy/Sell Agreements, Short & Long Term Disability Insurance, Long Term Care Products and Medicare Supplements.