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My Services

How I Can Help You

I am proud to provide my clients with a wide range of financial services, strategies and products. I can offer you the objectivity of working with an independent financial advisor combined with the stability, strength and access to the world’s financial markets with a wealth of investment resources. Please feel free to browse the list of services that I offer below and consider how each of them could be beneficial to your financial goals and needs.

Stock

A stock, also known as equity, is a security that represents the ownership of a fraction of the issuing corporation. Units of stock are called "shares" which entitles the owner to a proportion of the corporation's assets and profits equal to how much stock they own.

NYSE-listed Stock

The New York Stock Exchange (NYSE) is a stock exchange located in New York City that is the largest equities-based exchange in the world, based on the total market capitalization of its listed securities.  To list on the NYSE, a company needs to have at least 400 shareholders and 1.1 million shares outstanding.

NASDAQ -listed Stock

Nasdaq is a global electronic marketplace for buying and selling securities. 

Insurance

Insurance is a contract, represented by a policy, in which a policyholder receives financial protection or reimbursement against losses from an insurance company.  Where stocks can help grow your net worth, insurance is about safeguarding what you have made and giving a level of safety and assurance of your funds.

Variable Annuity

A type of annuity contract, the value of which can vary based on the performance of an underlying portfolio of sub accounts. Sub accounts and mutual funds are conceptually identical, but sub accounts don't have ticker symbols that investors can easily type into a fund tracker for research purposes.

Variable Life Insurance 

Variable life insurance is a permanent life insurance policy with an investment component. The policy has a cash-value account with money that is invested, typically in mutual funds.

ETFs

An exchange-traded fund (ETF) is a type of pooled investment security that operates much like a mutual fund.

Whole Life Insurance

Whole life insurance provides coverage throughout the life of the insured person. In addition to paying a tax-free death benefit, whole life insurance also contains a savings component in which cash value may accumulate. Interest accrues on a tax-deferred basis.

Term Life Insurance

Term life insurance provides a death benefit that pays the beneficiaries of the policyholder throughout a specified period of time.

Source:  Investopedia https://www.investopedia.com/

Client Centered

I understand the many challenges of mapping out your financial future, and I know the biggest concern for many is outliving their money. I focus on money management, as well as other issues that are critical to your financial well being. If you feel that my services align with what you may be looking for in a financial advisor, please feel free to contact me and I will be happy to answer any questions you may have.

Exchange-traded funds are sold only by prospectus. Please consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus contains this and other information about the investment company, can be obtained from your financial professional at 203-956-0289.  Be sure to read the prospectus carefully before deciding whether to invest.

The return and principal value of stocks fluctuate with changes in market conditions. Shares when sold may be worth more or less than their original cost.

The guarantee of the annuity is backed by the claims paying ability of the issuing insurance company. 

Variable Annuities:  There is a surrender charge imposed generally during the first 5 to 7 years that you own the contract. Withdrawals prior to age 59½ may result in a 10% IRS tax penalty, in addition to any ordinary income tax. The guarantee of the annuity is backed by the financial strength of the underlying insurance company. Investment sub-account values will fluctuate with changes in market conditions.

An investment in a variable annuity involves investment risk, including possible loss of principal. Variable annuities are designed for long-term investing. The contract, when redeemed, may be worth more or less than the total amount invested. Variable annuities are subject to insurance-related charges including mortality and expense charges, administrative fees, and the expenses associated with the underlying sub-accounts. Investors should consider the investment objectives, risks and charges and expenses of the variable annuity carefully before investing. The prospectus contains this and other information about the variable annuity. Contact William Ward at 203-956-0289 to obtain a prospectus, which should be read carefully before investing or sending money.

The cost and availability of life insurance depend on factors such as age, health, and the type and amount of insurance purchased. Before implementing a strategy involving life insurance, it would be prudent to make sure that you are insurable by having the policy approved. As with most financial decisions, there are expenses associated with the purchase of life insurance. Policies commonly have mortality and expense charges. In addition, if a policy is surrendered prematurely, there may be surrender charges and income tax implications.


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