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R & D Financial Services Inc. was founded in 1983 to provide individualized service in the area of personal investing and insurance needs.

As independent brokers, financial advisors and independent insurance agents we represent only our clients. R & D Financial Services Inc. offers NO Proprietary investments, therefore we can choose from the wide variety of investments and insurance to meet your specific needs.

Freedom of Choice

bullet8,000 + Mutual Funds
bullet100 Variable & Fixed Annuities
bullet200 Life Insurance Products
bulletDozens of Retirement Plans
bulletCommon Stocks
bulletStock Options
bulletCorporate Bonds
bulletGovernment Securities
bulletCertificates of Deposit (CDs)
bulletDisability Insurance
bulletLong-term Care Insurance
bulletLimited Partnerships
bulletAsset management accounts with unlimited check writing and debit card/ATM access
bulletTraditional brokerage accounts
bulletA variety of fee-based brokerage accounts
bulletStrategic asset allocation services Special services for retired investors
bulletPrivate credit lines (margin accounts)
bulletOnline account access
bulletMoney management
bulletSimple IRA
bulletEducation IRA
bulletIRA & Roth IRA

R & D Financial Services Inc. along with our association with Sigma Financial Corporation (our Broker/Dealer) and National Financial Services (our Clearing Firm) offer one of the most diverse menu of options to aid in the development of wealth. Our global reach, product breadth and experience in all facets of wealth management and accumulation bring unique benefits to our clients.

Raymond Winke, senior financial advisor with over 40 years of experience.

Derrick Winke, financial advisor with over 25 years of experience.

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New Additions to our site:

bulletLong Term Care Insurance Section
bulletCalculators - 50 New onsite
bulletChart of S & P 500 showing major historical events and their impact.
bulletNew reports in our Educational Library
bulletFree Email Advice

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Contact Information:

bulletTelephone: 800-878-4036 / 248-816-1230 / Fax - 248-816-1256
bulletPostal: 2701 Troy Center Drive, Suite 255, Troy, MI 48084
bulletElectronic Mail: email R & D Financial 

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Securities offered through Sigma Financial Corporation. A registered broker/dealer. Member FINRA & SIPC.

R & D Financial Services Inc. is independent of Sigma Financial Corporation

Planning Services offered through Sigma Planning Corporation, a registered investment advisor.

Any information contained on this site does not constitute financial advice. The Website is intended to provide general information only and does not attempt to give you advice that relates to your specific circumstances. You are advised to discuss your specific requirements with an independent financial adviser licensed in your state.

We do not offer legal advice. All information provided on this website is for informational purposes only and is not a substitute for proper legal advice. If you have legal questions, we recommend that you seek the advice of legal professionals.

IRS Circular 230 Disclaimer: To ensure compliance with IRS Circular 230, any U.S. federal tax advice provided in this communication is not intended or written to be used, and it cannot be used by the recipient or any other taxpayer (i) for the purpose of avoiding tax penalties that may be imposed on the recipient or any other taxpayer under the Internal Revenue Code, or (ii) in promoting, marketing or recommending to another party a partnership or other entity, investment plan, arrangement or other transaction addressed herein.

Asset allocation, diversification and rebalancing do not assure a profit or protect against loss in declining markets. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Past performance is no guarantee of future results.

Investment products, insurance and annuity products:

Are Not FDIC Insured Are Not Bank Guaranteed May Lose Value
Are Not Deposits Are Not Insured by Any Federal Government Agency Are Not a Condition to Any Banking Service or Activity
Send mail to Webmaster with questions or comments about this web site
Copyright 2014 R & D Financial Services Inc. 2701 Troy Center Drive, STE 255, Troy Michigan 48084
Last modified: 12/02/14