What We Do

 

OUR PURPOSE IS:  To use our combined depth and years of experience in tax, investment*, and insurance planning

TO:  Explain financial concepts in simple terms

        Encourage people to act

        Design long-term investment plans for each situation

        Implement and monitor the long-term plans

SO THAT PEOPLE BENEFIT BY:  Becoming comfortable with their financial futures, so

                                                          that they can:

SPEND LESS TIME:  Fine-tuning their personal investments and financial affairs, and

SPEND MORE TIME:   To help make money in their own areas of special ability, and

                                        filling their non-working hours with fun activities.

WHAT DO WE DO FOR YOU?

IF WE WERE ONLY life insurance professionals – We would emphasize the stability, guarantees*, tax deferral, and creditor protection provided by life insurance and encourage you to increase your life insurance coverage.

IF WE WERE ONLY disability insurance salespeople – We would tell you why you are more at risk from an income-stopping disability that from a death and encourage you to increase your disability insurance coverage.

IF WE WERE ONLY tax professionals – We would emphasize the tax deductibility and deferral of the IRA, SEP, and 401K, and encourage you to invest where you could benefit from tax deduction and deferral.

IF WE WERE ONLY investment professionals – We would evaluate your net worth, risk tolerance, current life situation and goals, and suggest appropriate market-based or insurance-based solutions to help you meet them.

BUT SINCE WE ARE ALL OF THESE WE CAN CONCENTRATE ON HELPING PEOPLE TO UNDERSTAND WHERE THEY STAND AND TO BE COMFORTABLE WITH IT!



 

 


  


 


* Guarantees are based upon the claims paying ability of the issuer.


This newsletter was created by a Third Party and was not written or created by Stephen T. Lam and does not represent the views and opinions of Woodbury Financial Services or its subsidiaries