Through Osaic Institutions, Inc., we offer access to many savings, investment, and insurance options to help individuals and families improve their financial future. The right mix for you will depend on many things including: your age, income, financial obligations, and appetite for risk, along with external factors like market performance, interest rates, and the economy in general.
We work hard to understand your financial needs and goals in order to design the right solutions for you. Through a conservative yet creative approach, we specialize in helping people maximize returns while protecting principal. These are just a few of the many types of solutions we may recommend.
529 College Savings Plans
These plans are good for saving for college while reducing the impact of taxes.1 They are especially useful for college savers who want to contribute greater amounts than what’s permitted by Education Savings Accounts.
Indexed Annuities
These are insurance products that can pay a lifetime income benefit that is indexed to market gains, while guaranteeing a minimum benefit commensurate with the principal used to purchase the policy. Remember that all guarantees are by the issuing insurance company and are subject to the claims paying ability of the insurance company.
Life & Long-Term Care Insurance
Of course, there are many flavors of life insurance, but there is an interesting type of product that pays interest on the cash value in the policy and also allows the policy to pay for long term care expenses.
And there are so many more options. Contact Paul Vegiard, Financial Advisor, Osaic Institutions, Inc., today at 413-267-1342 or via emat at [email protected] to find out how we can help your financial future.
Investment and insurance products and services are offered through Osaic Institutions, Inc., Member FINRA/SIPC. Monson Savings Bank is a subsidiary of Monson Financial Services. Osaic Institutions and Monson Savings Bank are not affiliated. Products and services made available through Osaic Institutions are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed or insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value
1Certain 529 plans may offer tax advantages in an investor’s home state. Consult your tax advisor for more details.
