Product-Based Services

A Plan for Your Financial Needs

We will listen to your product need, whether it is a 529 plan, an annuity, a structured note, or a specific mutual fund or ETF, we will walk you through your options and shop the market using our experience, creativity, and technology to make sure whatever you select is in your best interest.

529 Plans

Giving your children the gift of a debt-free education is certainly giving them more. They will have more opportunities to attend the school of their choice, and more opportunities to spend their future income on the things that are most important to them, rather than focusing on repaying loans. Funding your child’s education will empower your children to be able to earn, spend, and save money in a way that’s more meaningful to them.

Before investing, the investor should consider whether the investor’s or beneficiary’s home state offers any state tax or other benefits available only from that state’s 529 Plan.

Annuities

When you are looking for a conservative alternative to a typical investment vehicle we offer variable, structured & fixed index annuities to reduce risks while giving you the ability to participate in market action.

There is a surrender charge imposed generally during the first 5 to 7 years that you own the contract. Withdrawals prior to age 59 ½ 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 Graham Merk at 800 Main St., Suite 13, Holden, MA 01520 or 774-345-4044 to obtain a prospectus, which should be read carefully before investing or sending money.

Structured Notes

In todays fixed income environment of low yields and high bond prices many people are looking for alternatives. We have partnered with some of largest providers of structured products in the world to bring you offerings that can match your needs.

Mutual Funds and ETFs

Being independent means, we have access to hundreds of fund families and thousands of different mutual fund categories. If you’re looking for a mutual fund or ETF to bolster your portfolio we will walk you through options, do a cost analysis, and facilitate your purchase.

Investing in mutual funds is subject to risk and loss of principal. There is no assurance or certainty that any investment strategy will be successful in meeting its objectives.

Exchange-traded funds and mutual funds are sold only by prospectus. Investors should consider the investment objectives, risks, and charges and expenses of the funds carefully before investing. The prospectus contains this and other information about the funds. Contact Graham Merk at 800 Main St., Suite 13, Holden, MA 01520 or 774-345-4044 to obtain a prospectus, which should be read carefully before investing or sending money.

Discover the 7 Realities of Required Minimum Distributions

Discover the realities of RMDs that could impact your retirement. To get your copy of this valuable handout, please provide your information below.

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