Market Watch

May 26, 2012 @ 12:13 PM

Dow Jones Industrials 12,454.83- 74.92
Nasdaq Composite 2,837.53- 1.85
S&P 500 1,317.82- 2.86
NYSE Composite 7,534.33- 18.03
10 Year Treasury Note 1.75- 0.01

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W. Phil Ratcliff - AXA Equitable

MainStreet Financial Services

Paycheck Protect

 

 

 

 

May is Disability Insurance Awareness Month.  

Do you know if you have Long-Term and/or Short-Term Disability?  Is it enough to protect your family and your way of life if something were to happen?

 If you're not sure or want to to speak to me, give us a call email or click the link below to find out more:

 

 

 

As a financial consultant, I approach financial planning on a personal level.  I regard my clients as family.  I understand that most of the decisions we make will have lasting impacts on our financial future, and I strive to ensure those decisions will have positive impacts.

I have a unique and in depth relationship with my clients.   I have found that this connection is invaluable in my practice and in helping my clients to improve their financial condition.

Your financial well-being means more to me than a quarterly statement and the array of products that I can offer you.  I work with my clients on a one-on-one basis to help them actively achieve their financial goals.

I specialize in working with the University markets and with Small Business Owners.  I currently am available at:

 

  • The Ohio State University
  • Ohio University
  • University of Cincinnati

    •  

    on a weekly basis.  If you have questions or concerns about your benefits or opportunities through the University please contact me today so that we may find a convenient time to discuss these issues.

    I can help you with:

     

    Please call me today to discuss your financial opportunities, and we'll develop a plan to help you achieve them!

    I would like to schedule an appointment.

    I am a client and I would like to schedule a review.

    I would like to work for you. What positions are available?

     

     

    If you are applying for Health Insurance or would like a quote please click the link below:

    Aetna Link

    Newsletters

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    A recent study indicates that couples are not communicating clearly about retirement goals and strategies, even as they approach retirement age. This article offers suggestions to open a dialogue and encourages couples to discuss their retirement needs and desires with each other and with their financial advisor.

    Protection from a Range of Liability Claims

    It's projected that American companies will face $183 billion in tort costs in 2011, and $152 billion of that will land on the books of small businesses. Fortunately, there are several forms of business liability insurance that can help offset these unforeseen costs.

    Is Your Business Ready for a Structure Change

    Periodically, business owners may want to reconsider whether their current business structure is meeting the needs of their companies. For business owners seeking to expand their operations and reduce their exposure to risk, a popular entity has been the limited liability company. This article describes some additional benefits associated with LLCs.

    Do You Have Enough Disability Coverage

    Disability can affect anyone without notice, and a well-paid professional in the midst of a productive career has much to lose if he or she suffers a medical problem and is unable to work. But there are ways that high earners can expand their coverage and help ensure that their income, assets, and lifestyle are not at risk from a potential disability.

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