VermontAgency.com

 

The VERMONT AGENCY offers a variety of financial services to families, business owners and professionals.  With offices in Vermont, New Hampshire, Maine, and Plattsburgh, NY *, it is our desire to help our clients balance their business and personal financial needs with their future financial goals and objectives. 

We take pride in the reputation we've earned for providing high quality products and services. We pledge to give you that same high level of personal attention and welcome the opportunity to do so.


We Believe...

  • Anyone upon whom others rely has the responsibility to protect them from financial hardship.

  • Anyone who builds something of value has the right and responsibility to decide what happens to those assets.

  • Success begins with family.

  • We are in the personal accountability business.

  • The height of your success will be your ability to live a balanced life.

  • Conviction is built from quality life experiences, shared values and mutual respect.

  • The commitment to education is the basis for an enduring life experience.

  • In the collective involvement of all associates in your success.

  • A smile is a snapshot to your character.

We Believe.... Our most Valuable Asset is YOU!

 

We take our commitments to our clients seriously. Each of our associates receives ongoing training and education in insurance, estate planning strategies, and pension planning, and each is backed by one of the country's oldest and most respected life insurance companies. Our associates are encouraged to attain notable and prestigious industry designations such as Certified Life Underwriter (CLU), Chartered Financial Consultant (ChFC) and Certified Financial Planner (CFP).

* Not all of our Agents/Registered Representatives are licensed in all states.

 
Calculators

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

Savings Accumulation

Estimate the future value of your current savings.

Tax-Deferred Savings

Compare the potential future value of tax-deferred investments to that of taxable investments.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

More Calculators →

Newsletters

Rising Popularity of Roth IRA as Retirement Vehicle

Investment in the Roth IRA has been growing dramatically. Fueling the growth of this popular investment vehicle are tax-free distributions in retirement and no mandatory withdrawals due to age. Compare the trade-offs of Roth IRAs with traditional IRAs, including eligibility limitations, annual contribution limits, and withdrawal considerations.

Be Ready for a Change in Interest Rates

Fluctuating interest rates can be challenging for bond investors who want to reinvest their principal. When rates are low, they may have to accept lower yields; when rates rise when principal is tied up, they may not be able to benefit. One strategy to help manage reinvestment risk is to build a bond ladder.

Are Consumers Holding the Keys to a Better Economy?

Consumer spending still accounts for about 70% of gross domestic product, but some government statistics suggest that consumers may have reduced spending drastically in recent years, especially on discretionary items. High unemployment, household debt, and a general lack of confidence can affect consumers' ability and willingness to spend.

Leaving Your Home Out of the Retirement Equation

Plummeting home prices and increased borrowing cut U.S. home equity by more than 60% during the Great Recession — and housing prices have not yet recovered. This article considers the potential drawbacks of depending on home equity to help fund retirement.

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