Whole Life Insurance Waldorf

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• I am an Investment Adviser Representative
  (IAR) in the state of Maryland. How Financial
  Professionals are Paid . Commission based
  products Compensation (methods and disclosure)
  The firms clients interests come first. .
  We will recommend investment products based on
  what is in their best interest and not based on
  which one would give us more earnings. . When
  requested, we will inform clients of the dollar
  amount of fees (commissions or loads) they will
  pay on the purchase of any investment product.
  . When appropriate, we may refer clients to
  other, related professionals for services they
  are better able to provide. We sometimes receive
  referrals from these professionals . My firm
  does not, nor does any affiliate or member of my
  firm, act as a general partner, participate in or
  receive compensation as a general partner from
  investments that we recommend. . We will
  provide prospective clients with references, upon
  request. . We will provide a free review to
  prospective clients so that we may determine if
  their needs and our practice are well-matched.

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Financial Services Associates website

• Our firm practices in many areas of retirement
  planning, personal financial planning, estate
  planning strategies, annuities, education funding
  and insurance analysis.

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• I am an Investment Adviser Representative (IAR)
  in thehe state of Maryland.  Examinations,Licens
  es, Certifications Education Securities
  Examinations Mutual Funds, Variable Annuities
  (Series 6), General Securities Registered
  Representative (Series 7), General Securities
  Principal (Series 24), Investment Advisor
  Representative (Series 65), Insurance Licenses
  Life, Health, Property Casualty, Annuities
  Other Licenses and Designations CERTIFIED
  FINANCIAL PLANNERTM Certification Chartered Life
  Underwriter (CLU) Chartered Financial Consultant
  (ChFC)
• Life Underwriter Training Council Fellowship
  (LUTC-F) Fraternal Insurance Counselor
  Fellowship (FIC)

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• Financial Services Associates
• 10906 Timothy Court
• White Plains, MD 20695-3104
• Phone [phone], Metro 301-843-0382, Local
  301-645-0325
• Fax [phone]
• E-mail john_at_hardingjs.com
• http//www.hardingjs.com/