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THE INVESTMENT & INSURANCE PROFESSIONALS.

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 and insurance agents we represent only our clients. R & D Financial Services Inc. offers NO Proprietary investments therefore we can choose from the whole world of investments and insurance to meet your specific needs.

In this highly sophisticated and rapidly changing financial environment, it is critical that individuals and businesses protect and enhance their current financial resources while also preparing for their future security. This requires careful planning and prudent management of one's financial assets.

R & D Financial Services Inc. along with our association with Sigma Financial Corporation (our Broker/Dealer) and First Clearing Corporation (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.

All brokers who work for R & D Financial Services Inc. are licensed through Sigma Financial Corp and maintain Series 7 securities licenses allowing them to offer all securities except commodities. We encourage all clients and prospective clients to contact the NASD (National Association of Securities Dealers - the government organization which issues security licenses), State of Michigan and (SEC) Securities and Exchange Commission to review the fact that we are licensed and complaint free.

All Life Insurance Agents who work for R & D Financial Services Inc. are directly licensed to the State of Michigan as resident Accident, health, Life, and Variable Contracts agents and any other states as needed.

PROVIDING COMPLETE INVESTMENT & INSURANCE SERVICES

We take an integrated approach to planning, investment advice, execution and regular performance monitoring to help you fully understand the issues and situations you face.

We help you by:

bulletPreserving capital with the proper understanding of the many forms of risk and prudent use of insurance.
bulletReducing taxes by utilizing tax efficient investments, tax credits and proper placement of your wealth.
bulletInsuring your financial well being by helping you save and invest enough to meet your future needs and goals.
bulletBuilding Wealth by creating an investment strategy that takes into account your risk tolerance, ultimate goals, and a proper allocation of your assets into appropriate investment vehicles.
bulletOrganize your financial life by consolidating all your statements from your current providers into one combined view of your total portfolio holdings.

We work closely with clients to determine their needs and then recommend suitable strategies and actions such as:
bullet Recommending the sale of specific stocks or mutual funds.
bullet  Selecting investments well suited to follow your strategy
bullet  Identifying financial strategies to help you and your tax advisor minimize the tax impact of each investment decision.
bullet  Identifying the assets to fund major cash needs (e.g. second home, college tuition).
bullet  Managing your "stock option" decisions.
bullet  Dealing with the financial implications of the death of a parent or spouse.
bullet  Getting your estate in order.
bullet  Optimizing your retirement plans including evaluation of retirement plans and goals, including 401(k), 403(b), TSA plans and defined benefit plans
bullet  Development of investment objectives and written policy statement as needed.
bullet  Extensive evaluation of existing portfolio.
bullet  Determination of asset allocation
bullet  Purchase of life insurance.
bullet  Purchase of long term care insurance.
bullet  Purchase of long term disability insurance.

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Securities offered through Sigma Financial Corporation. A registered broker/dealer. Member FINRA & SIPC.
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Copyright © 2009 R & D Financial Services Inc.
Last modified: 01/02/09