We provide tax, accounting, financial planning, management consulting, investment advisory, and insurance services, with investment advisory services offered by Pennsylvania‑registered investment adviser representatives, insurance services conducted pursuant to Pennsylvania insurance laws, and accounting and consulting services provided in accordance with AICPA, PICPA and PMI professional standards.

Insurance Solutions

Insurance Solutions

Overview

Financial Partners, LLC offers insurance solutions designed to help individuals and business owners evaluate risk management and protection needs as part of their overall financial considerations.

Insurance solutions are provided through appropriately licensed insurance agencies and representatives. Insurance products are not investment products and are offered separately from investment advisory and brokerage services.

Types of Insurance Solutions

Depending on client needs, licensing, and eligibility, insurance solutions may include:

  • Life insurance
  • Disability income insurance
  • Long‑term care insurance
  • Business continuity and risk management insurance strategies

Insurance solutions are selected based on general financial considerations and client‑provided information. Specific product recommendations, features, and availability are determined by the issuing insurance carrier.

Role of Insurance in Financial Planning

Insurance may be used as a tool to help address certain financial risks, such as income interruption, asset protection, or liquidity needs. Insurance solutions are evaluated in the context of stated goals and risk considerations, but outcomes are not guaranteed.

Insurance planning does not replace investment planning, tax advice, or legal planning and should be considered as one component of an overall financial picture.

Licensing and Capacity Disclosure

Insurance solutions are offered through licensed insurance agencies and representatives. All insurance‑related services are provided in a non‑securities, non‑investment advisory capacity.

Important Insurance Disclosures

  • Insurance products are not FDIC‑insured, not bank‑guaranteed, not insured by any federal government agency, and may lose value where applicable.
  • Insurance products are subject to the claims‑paying ability of the issuing insurance carrier.
  • Policy terms, costs, guarantees, and benefits are governed by the insurance contract and vary by product and carrier.

Insurance products are not deposits or obligations of, or guaranteed by, any banking institution.

Relationship to Other Services

Clients are not required to purchase insurance products to engage investment advisory, brokerage, accounting, or tax services.

Investment advisory services are offered through Cetera Investment Advisers LLC, a registered investment adviser.
Brokerage services are offered through Cetera Wealth Services, LLC, a member FINRA/SIPC.
Accounting and tax services, if offered, are provided separately in a non‑investment advisory capacity.

Client Considerations

Clients are encouraged to review insurance policy documents carefully and consider consulting with qualified legal or tax professionals regarding how insurance may fit within their specific circumstances.

Investors should consider the investment objectives, risks and charges and expenses of the variable annuity carefully before investing. Insurance products are offered through licensed insurance agencies. Insurance is not FDIC‑insured, not bank‑guaranteed, may lose value, and is not insured by any federal government agency.The prospectus contains this and other information about the variable annuity. Contact Michael T. Makaila at 300 Doe Run Rd, Harleysville, Pa 19438 or 215-872-9932 to obtain a prospectus, which should be read carefully before investing or sending money.