Our Services
Our Services
The Empire Branch
By the numbers
- Presence since 1873
- 313 Financial Professionals
- ~$11.8 Billion Placed Under Management
- 122,213 Households
- 4 Offices
- Albany, NY
- Buffalo, NY
- Rochester, NY
- Syracuse, NY
Over
years and counting
More than
billion in assets under management
Over
million clients
More than
dedicated financial professionals in communities all over the US**
Explore Our Services
Fixed-income investments
- Mutual funds (income-oriented)
- Unit investment trusts (income-oriented)
- Corporate, municipal and government bonds
- Money markets
- Certificates of deposit
Equity investments
- Alternative investments
- Mutual funds (growth-oriented)
- Large-cap growth/value funds
- Small/mid-cap growth/value funds
- International equity funds
- Asset allocation funds
- Sector funds
- Unit investment trusts (growth-oriented)
- Publicly traded stocks
Retirement/education planning
- Traditional IRAs
- Roth IRAs
- SEP plans
- SIMPLE plans
- 401(a)
- 457(b)
- Roth 403(b) and 457(b)
- Owner 401(k) and Roth 401(k)
- 403(b)
- 403(b)(7) plans
- Pension/profit-sharing
- Coverdell education savings accounts
- 529 plans
Investment accounts, Traditional brokerage accounts, and Investment advisory programs
Life insurance
- Annual renewable term
- Level term — 10-, 15- and 20-year
- Whole life
- Universal life
- Variable universal life
- Survivorship variable universal life
- Survivorship universal life
- Equity-indexed universal life
Annuities
- Fixed (single flexible and immediate)
- Variable annuities (immediate and flexible payment)
- Group annuities (qualified retirement plans)
- Equity-indexed annuities
Disability and long-term care insurance
- Individual disability income insurance
- Group long-term and short-term disability income insurance
- Employer-sponsored individual long-term care insurance
- Individual and group long-term care insurance
- Business overhead expense
- Disability buyout protection
Group health and life insurance² Business continuation programs
- Key person coverage
- Buy-sell agreements
- Succession planning
- Business overhead expense
- Disability buyout
- Employee Stock Ownership Plans (ESOP)
You can receive planning strategies for:
- Asset allocation
- Retirement planning
- Education funding
- Survivorship planning
- Disability income analysis
- Estate planning strategies
- Retirement distribution planning
- Business succession planning
- Employee benefits
Financial Planning Services
- Fee-based financial planning
- Equity compensation (stock option) analysis
- Goal planning
- Personal financial plans
- Personal financial plans with estate planning
- Educational seminars
Employee benefits
- Dental
- Vision
- Life
- Short-term disability
- Long-term disability
Executive benefits
- Bonus plans
- Deferred-compensation plans
- Split-dollar plans
- Survivorship variable universal life
- Survivorship universal life
- Equity-indexed universal life
Through Equitable Advisors and affiliates, you have access to extensive investment and insurance options from leading companies — so you and your financial professional can build a plan for your life.
Investment companies? (Partial list)
- Alliance-Bernstein?
- Columbia
- Invesco
- Oppenheimer
- Transamerica
- Premier Funds
- Goldman Sachs
- Nuveen
- John Hancock
- VanEck Vanguard
- American Funds
- Franklin Templeton
- Lord Abbett
- Principle Group
- Virtus
- Black Rock
- Mainstay
- Natixus Funds
- Putnam
- Prudential
Insurance companies? (Partial list)
- AIG/American General
- VOYA
- Pacific Life
- Equitable Life Insurance Company?
- John Hancock, USA
- Prudential
- Banner Life Insurance Company
- Lincoln Life
- Transamerica Life
- Allianz
- Bright House Financial
- Principal Life Insurance Company
How We Work With You
Confidentiality
Everything we discuss today and, in the future, will be held in confidence in accordance with our privacy policy.
Compensation
Our compensation depends upon the services we provide and includes, without limitation:
- Fees
- Commissions
Customized strategies
After reviewing the specifics of your financial situation, we will mutually determine which, if any, of our services might be appropriate for you. You are under no obligation to purchase any of our services.
Referrals
As many professionals do, we meet new people through referrals and recommendations. Because of this, it’s even more important to us that we provide such excellent service that ensures you will be happy to introduce us to people you know.
Determining Your Needs
Our five-step process helps clients better understand their financial well-being
Commitment to what matters
We are committed financial professionals who help you on the path to fulfillment. This starts by getting to know who you are and what matters to you. We then use this knowledge to create a plan customized to you and your life. As your life evolves, so will your goals. We’ll be there with you, helping you shift your strategy, update your portfolio and leverage the right products to make smart choices for every chapter of your life.
