Products and Services

How We Work

Our firm specializes in helping individuals develop sound financial, business, and retirement strategies. If you are a business owner, a professional, or are in or near retirement – please take time to explore our website and the wealth of information we offer.  We offer personalized, one-on-one service. And we educate our clients about financial concepts and products, helping to take the mystery out of insurance, investing, and business, retirement, and estate planning.

We understand the many challenges facing business owners and their families and feel it is important to coordinate personal plans with business plans to avoid unintended consequences. 

 Those most likely to benefit from our services include:

  • Medical professionals (doctors, radiologists, surgeons, anesthesiologists, dentists, orthodontists, veterinarians, pharmacists, etc.)
  • Attorneys, architects, engineers, and those in similar professions
  • Owners of successful family businesses
  • Successful businesses with 2 to 5 owners and up to 500 employees
  • Companies that want to attract or retain talented employees with generous benefit packages
  • Anyone with a net income of $150,000 or more per year OR at least $250,000 in investible assets and a minimum net worth of $1 million.

Insurance

Life

Disability

Long-term care

Critical illness

Annuities

Fixed annuities*****

Indexed annuities*****

Immediate income annuities

Deferred income annuities

Fee-based variable annuities **

Financial Planning

Business continuation planning

Business protection planning

Executive benefit planning

Financial need analysis

Personal financial planning

Estate planning ***

Tax planning ***

Qualified Retirement plans

Retirement planning

Investments*

Stocks

Bonds

Treasury bills

Mutual funds****

ETFs (Exchange Traded Funds)****

Alternative investments

*Investing in alternative assets involves higher risks than traditional investments and is suitable only for sophisticated investors. Alternative investments are often sold by prospectus that discloses all risks, fees, and expenses. They are not tax efficient and an investor should consult with his/her tax advisor prior to investing. Alternative investments have higher fees than traditional investments and they may also be highly leveraged and engage in speculative investment techniques, which can magnify the potential for investment loss or gain and should not be deemed a complete investment program. The value of the investment may fall as well as rise and investors may get back less than they invested.

**Please consider the investment objectives, risks, charges, and expenses carefully before investing in Variable Annuities. The prospectus, which contains this and other information about the variable annuity contract and the underlying investment options can be obtained from the insurance company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

The investment return and principal value of the variable annuity investment options are not guaranteed. Variable annuity sub-accounts fluctuate with changes in market conditions. The principal may be worth more or less than the original amount invested when the annuity is surrendered.

***OSTB Wealth Strategies does not provide tax or legal advice. For specific tax or legal assistance, the services of an accountant or attorney should be sought.

****Mutual Funds and Exchange Traded Funds (ETF’s) are sold by prospectus. Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the investment company, can be obtained from the Fund Company or your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

*****Fixed Annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Any guarantees of the annuity are backed by the financial strength of the underlying insurance company. Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Any guarantees offered are backed by the financial strength of the insurance company. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty. Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated.


For more information about our firm and the services we offer, send us a quick email or call the office. We would welcome the opportunity to speak with you.

smounger@brokersifs.com |  (763) 355-9758