Insurance Services
What happens to your family’s future if life throws an unexpected curveball
— and you’re not prepared?
Let’s face it: insurance isn’t just paperwork—it’s the power of being prepared. We’ll sit down with you to review your coverage and make sure your plan works for you, not against you. Whether it’s protecting your income, your health, or your legacy, we’ll tailor policies to shield your family and assets from costs that could derail your plans.
The right insurance strategy isn’t about buying more—it’s about buying smarter. Our process cuts through the confusion to ensure you have what you need: life insurance for a confident future for your family, annuities to create a steady income, long-term care coverage to protect your savings, and disability plans to safeguard your paycheck. No gaps, no overlaps—just clear, targeted protection that strengthens your financial foundation.
Life Insurance
If life suddenly changes, will your family be prepared or overwhelmed to manage ongoing duties? We are with you at every stage of your life to help you plan for your financial future. As we collaborate on your financial plan, we will detail a plan that cares for your loved ones.
Annuities
How long will your retirement savings really last? The right annuity can help make sure you don’t outlive your savings. By adding this additional income stream, you can stretch your retirement savings further and feel more confident about the years ahead.
Long-Term Care Insurance (LTC)
Advances in medicine are helping us live longer, but that longevity can add additional expenses that fall outside traditional health coverage. Long-term care insurance includes nursing homes, at-home care, and assisted living facilities. Although these options can cost a small fortune, long-term care insurance can protect some of your savings while providing a level of financial security for your loved ones.
Disability Income Insurance
What would you do if you were diagnosed with an illness or were involved in a serious accident, leaving you unable to work again? Will your family be financially stable without your household income? In the event you become disabled, disability income insurance can provide you with a dependable percentage of your earned income sooner than the standard Social Security disability.
Disclaimer:
Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.
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​This material contains only general descriptions and is not a solicitation to sell any insurance product or security, nor is it intended as any financial or tax advice. For information about specific insurance needs or situations, contact your insurance agent. This article is intended to assist in educating you about insurance generally and not to provide personal service. They may not take into account your personal characteristics such as budget, assets, risk tolerance, family situation or activities which may affect the type of insurance that would be right for you. In addition, state insurance laws and insurance underwriting rules may affect available coverage and its costs. Guarantees are based on the claims paying ability of the issuing company. If you need more information or would like personal advice you should consult an insurance professional. You may also visit your state’s insurance department for more information.
Aaron J. Garabedian is a registered representative with, and offers securities and advisory services through LPL Financial, a registered investment advisor, Member FINRA/SIPC.