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Financial Services

Financial Services Information

We are a full service Financial team of experts dedicated to providing the best advice possible for both individuals and companies throughout New York State, including Buffalo, Clarence, Williamsville, Lockport, Akron and Alden.

We offer services and advice on savings and investments, tax planning and retirement planning. We have a full range of products and services available to customize plans to meet individual needs.

 Our licensed Registered Representatives are:                     

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Mutual Funds & Annuities

Mutual Fund

A collection of stocks, bonds or other securities purchased and managed by an investment company with funds from a group of investors.  Mutual funds are sold only by prospectus.  Please consider the investment objectives, risks, charges and expenses carefully before investing.  The prospectus, which contains this and other information about the investment company, can be obtained from your financial professional.  Be sure to read the prospectus carefully before deciding whether to invest.

Balanced Mutual Fund

A mutual fund whose objective is a balance of stocks and bonds.  Balanced funds tend to be less volatile than stock-only funds.

Municipal Bond Fund

A mutual fund that specializes in investing in municipal bonds.  Bond funds are subject to the same inflation, interest rate and credit risks associated with their underlying bonds.  As interest rates rise, bond prices typically fall, which can adversely affect a bond fund's performance.

What is an Annuity?

An insurance-based contract that provides future payments at regular intervals in exchange for current premiums.  Annuity contracts are usually purchased from banks, credit unions, brokerage firms or insurance companies.  Any guarantees are contingent on the claims paying ability of the issuing company.

Retirement Plans

Consider the following retirement products:

  • Simple IRA
  • Regular IRA
  • Roth IRA
  • 401(k)
  • 403(b)

Retirement Glossary of Terms:

Individual Retirement Account (IRA)
Contributions to a traditional IRA are deductible from earned income in the calculation of federal and state income taxes if the taxpayer meets certain requirements. The earnings accumulate tax deferred until withdrawn, and then the entire withdrawal is taxed as ordinary income. Individuals not eligible to make deductible contributions may make nondeductible contributions, the earnings on which would be tax deferred.

Roth IRA
A nondeductible IRA that allows tax-free withdrawals when certain conditions are met. Income and contribution limits apply.

Employer-Sponsored Retirement Plan
A Tax-favored retirement plan that is sponsored by an employer. Among the more common employer-sponsored retirement plans are 401(k) plans., 403(b) plans, simplified employee pension plans and profit-sharing plans.

Qualified Retirement Plan
A pension, profit-sharing or qualified savings plan that is established by an employer for the benefit of the employees. These plans must be established in conformity with IRS rules. Contributions accumulate tax deferred until withdrawn and are deductible to the employer as a current business expense.

401(k) Plan
A defined contribution plan that may be established by a company for retirement. Employees may allocate a portion of their salaries into this plan, and contributions are excluded from their income for tax purposes (with limitations). Contributions and earnings will compound tax deferred. Withdrawals from a 401(k) plan are taxed as ordinary income and may be subject to an additional 10 percent federal tax penalty if withdrawn prior to age 59 1/2.

403(b) Plan
A defined contribution plan that may be established by a nonprofit organization or school for retirement. Employees may allocate a portion of their salaries into this plan, and contributions are excluded from their income for tax purposes (with limitations). Contributions and earnings will compound tax deferred. Withdrawals from a 403(b) plan are taxed as ordinary income, and may be subject to an additional 10 percent federal tax penalty if withdrawn prior to age 59 1/2.

A method by which an individual can transfer the assets from one retirement program to another without the recognition of income for tax purposes. The requirements for a rollover depend on the type of program from which the distribution is made and the type of program receiving the distribution.

College Savings

A 529 College Savings Plan is a tax-advantaged investment vehicle in the United States designed to encourage saving for the future high education expenses of a designated beneficiary.

  • Prepaid Plans allow one to purchase tuition credits at today's rates, to be used in the future. Performance is based upon tuition inflation.
  • Savings Plans are different in that all growth is based upon market performance of the underlying investments which typically consist of mutual funds. Most 529 plans offer a variety of age-based asset allocation options where the underlying investments become more conservative as the beneficiary gets closer to college age.

Long Term Care

Long Term Care Products offered:

  • Traditional
  • New York State Partnership

What is Long Term Care

Long Terms Care applies when someone has a prolonged illness, disability or cognitive impairment. Long Term Care may include home health care, hospice, adult day care, respite care, nursing home care and assisted living. This may also include hands-on or stand-by assistance.

Who should consider Long Term Care?

You may want to consider Long Term Care if:

  • You have significant assets/income and want to protect them.
  • You can afford premiums, including possible premium increases
  • You want to have some independence and/or flexibility in choosing care and opting for the setting you prefer or are most comfortable in.

Life & Disability Insurance

Life Products Offered:

  • Term Life
  • Universal Life
  • Variable Life
  • Whole Life

Term Life Insurance:

Term Insurance is good for a specific "term"; i.e. 20 or 30 year period.  As long as your pay your premium, the policy will remain in force until the end of that term.  This is commonly used for student loan debt, mortgage protection, or to supplement smaller life insurance policies.  Because it is not permanent insurance, often times this is the most affordable option. With the new accelerated underwriting program that many carriers are going to, depending on the circumstances, you may be approved with a 20-30 minute phone interview and no physical exam.

Universal Life versus Variable Universal Life:

Universal Life Insurance
A type of insurance that combines a death benefit with a savings element that accumulates tax deferred at current interest rates. Under a universal life insurance policy, the policy holder can increase or decrease his or her coverage, with limitations, without purchasing a new policy.

Variable Universal Life Insurance (VUL)
A type of life insurance that combines a death benefit with an investment element that accumulates tax deferred. The account value can be allocated into a variety of investment subaccounts. The investment return and principal value of the variable subaccounts will fluctuate; the policy's account value, and possible the death benefit, will be determined by the performance of the chosen subaccounts and is not guaranteed. Withdrawals may be subject to surrender charges and are taxable if the account owner withdrawals more than his or her basis in the policy. Policy loans or withdrawals will reduce the policy's cash value and death benefit and may require additional premium payments to keep the policy in force. There may be additional fees and charges associated with with a VUL policy.

Disability Products Offered:

Thank you for your interest in Emerling AgencyContact us today via email to talk with one of our professional financial advisors or call us at 716-631-0190. 

Paul S.Barone,LUTCF, Registered Representative, pbarone@emsinsurance.com.  Securities offered through Cadaret Grant & Co., Inc. member FINRA/SIPC  9092 Main Street Clarence NY 14031 716-631-1090. Representatives licensed in Arizona, California, Florida, Pennsylvania, Nevada, New Jersey, New York, Ohio, South Carolina, and Tennessee www.CadaretGrant.com. EMS Group,Emerling Agency and Cadaret Grant are separate entities.

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Emerling Agency
9092 Main Street
Clarence, NY 14031

Phone: (716) 631-0190
Fax: (716) 631-0198

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