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  Life Insurance
Provides cash to your family after your death. This cash (known as the death benefit) replaces your income and can help your family meet many important financial needs. There is no federal income tax on life insurance benefits.

Disability Insurance
Provides a source of replacement income if you're unable to work due to an illness or accident. Nearly
1 in 5 Americans will become disabled for 1 year or more before the age of 65.

Long Term Care
If you can afford long-term care insurance, you should probably consider it. Why? Because the cost of
long-term care, should you need it, can quickly deplete your life's savings.

IRA/IRA Rollovers
An Individual Retirement Account that you may use if you're changing jobs or retiring to keep your
investments growing tax-deferred without incurring penalties.

Retirement Planning
What if you die prematurely or become disabled? A retirement plan without insurance is just a savings
and investment program that dies or becomes disabled when you do.

  363 Route 46 West
Suite 140
Fairfield, NJ 07004
Phone: 973-808-2626
Fax: 973-808-2627