Risk management and insurance are critical components of anyone's financial plan.
Unfortunately over the last several decades countless consumers have had undesirable experiences
with being "sold" insurance. Across the country and most specifically in New York, almost all
insurance products are still commission based. In the State of New York, the embedded
commission cost for any given insurance product is the same no matter which agent you buy from. We
have made a decision to act as insurance agents and brokers and to receive commissions when
we sell these products. It simply doesn't make sense to us to have to charge people separately
to provide advice on these matters when, in most cases, they will then pay again an agent for
the implementation work involved with acquiring an insurance policy. We do offer fee-based
consulting regarding risk management and insurance, we may also be able to provide service
for clients who in the past had acquired insurance through another agency when that insurance
remains appropriate. We charge separately for these services, typically on an hourly basis.
We maintain relationships with many major insurance carriers representing a wide range of insurance products. These products can serve to meet a number of critical needs in securing your future and that of your family. We strive to maintain the highest degree of integrity in counseling our clients to help them select only those insurance programs, which are truly appropriate for their circumstances.
We offer to sell to our clients Life Insurance, including Term, Universal Life, First and Second to Die, and Variable Life Insurance Programs. 1
Disability Income Replacement Insurance is probably one of the most overlooked and often
critically important forms of insurance. Good Disability Income Insurance policies are
sometimes difficult to get. We scour the market to find competitive carriers who will
offer good insurance values for our clients based upon the individual client's occupation,
financial and medical situation.
Long Term Care Insurance is designed to protect you against the potential of depleting your assets in the event that you need long-term medical care and can include stay at home medical assistance. In New York State, we can offer the state's special partnership long-term care insurance plans.
Each of our services is offered only under a written agreement to provide the specific service selected.
Such agreement or agreements shall define the scope and nature of duties accepted by our firm or firms.
No agreement to provide service exists until such time as a properly executed written agreement is accepted and exercised by an
authorized official of our firm or firms.
Advisory Services offered through WealthPro, LLC, Registered Investment Advisor. Securities offered through
The Strategic Financial Alliance, Inc., Member NASD/SIPC.
WealthPro, LLC, The Strategic Financial Alliance, Inc., and
Solomon AssociatesSM
are independent entities and each is responsible for its own business.