Our Services
CMNB The Critical Mass No Boundries Process was developed to assist/provide clients with a predicatable experience. The quality of our client relationships demands the highest degree of professionalism. We at the Vermont Agency are dedicated to holding you accountable to help you reach the goals you have for yourself, your family, and your business. SIPM
Shared Intellectual Property Model: Our Firm, the entire team, will be at your disposal throughout the CMNB Process. All dimensions of expertise will be brought to bear on the entirety of your needs throughout your relationship with the firm. Products and services are provided through companies of the National Life Group®. Members of the group include:
National Life Insurance Company
The flagship of the enterprise, National Life Insurance Company, was established in Montpelier, Vermont in 1850 and is licensed in all 50 states and the District of Columbia. Montpelier, Vermont. Life Insurance Company of the Southwest
A recognized leader and provider of annuity products, established 1954. LSW is not licensed to do business in the state of New York. Dallas, Texas Equity Services, Inc.
A Broker/Dealer and Registered Investment Adviser Affiliate of National Life Insurance Company. Montpelier, Vermont Sentinel InvestmentsSM
Serving the needs of investors since 1934. Montpelier,Vermont Sentinel InvestmentsSM is the unifying brand name for Sentinel Financial Services Company (Member FINRA/SIPC), Sentinel Asset Management, Inc., and Sentinel Administrative Services, Inc., One National Life Drive, Montpelier, Vermont 05604
All companies referenced above are affiliated unless otherwise noted. National Life Group® is a trade name of National Life Insurance Company and its affiliates. Each company of the National Life Group is solely responsible for its own financial condition and contractual obligations. The Vermont Agency is independent of all companies referenced above. Our products and services address these areas of financial services that our clients tell us are of paramount importance to them: Insurance Services
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Life Insurance
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Disability Insurance*
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Long Term Care*
Investment Services** Retirement Plan Services Trust and Estate Planning Strategies Fringe Benefits and Business Continuation
Insurance Services Life, disability, and long term care insurance* are about risk. Risk is the exposure to the possibility of loss. Risk can be assumed, ignored or transferred to a risk bearer. By asking questions, and listening to answers, we are able to recommend, and help you implement, appropriate strategies to meet your personal and business needs and objectives. * Long Term Care and Disability insurance are available through representatives who are independently contracted with one or more insurers who provide these types of insurance contracts. Long Term Care and Disability insurance are not underwritten nor issued by National Life Insurance Company or Life Insurance Company of the Southwest. Investment Services We recognize the commitment and responsibility we undertake when providing investment advice. By listening closely to your needs, we deliver high quality investment services that correspond to your objectives. A wide range of investment objectives can be pursued through the use of various financial vehicles. Securities and investment advisory services are offered solely through Registered Representatives and Investment Advisor Representatives of Equity Services, Inc., Member FINRA/SIPC, 126 College Street, Suite 4A, Burlington, Vermont 05402 (802) 864-6819
Trust and Estate Planning Strategies We help our clients protect what they have worked a lifetime to build by showing them strategies on how to increase their assets, reduce their taxes, and assure that their estates are distributed as they want them to be. Our firm has access to trust services through various trust companies. Trusts can be used to avoid probate or reduce estate and income taxes. They can be used to transfer assets for the protection of your children, to avoid taxation of life insurance2 in your estate or to keep your assets intact while paying income to someone you designate. Trust services are offered independently of the National Life Group companies.
The use of trusts involves complex tax rules and regulations. Consider enlisting the counsel of an estate planning professional and your legal and tax advisors prior to implementing such sophisticated strategies.
2The cost and availability of life insurance will depend on factors such as age, health, and the type and amount of insurance purchased. Fringe Benefits Our custom designed, non-qualified employee benefit programs enable our business owner clients the flexibility to elect the benefit package that will best help them attract and retain the type of employees they desire. Business Continuation Working with business clients and their advisors, we implement and provide funding alternatives for business continuity plans to protect against death or disability. By providing business valuation services, tax-deferred funding vehicles for buy-sell agreements, and business succession plans, we help our clients businesses succeed.
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