Products & Services At Guilford Financial Group, Inc., Wayne and Scott's investment philosophy involves determining each client's risk tolerance and then selecting appropriate investments. Determining the risk tolerance of clients involves spending time getting to know them. They find out their goals, hesitations, and fears to help discover what their risk tolerance is. They also take into account factors such as age, income level, total net worth, and investment time horizons. Wayne and Scott then evaluate investments that best fit the needs of their clients. They do this through in-depth research and analysis of information from many sources. Once an investment profile you feel comfortable with has been created, Wayne and Scott will monitor your account on an ongoing basis. You will receive periodic statements and will be notified of any activity in your account. They will keep your investment goals in mind and monitor your asset mix, making recommendations for change when appropriate. Our Services Investing:Fee-based money managementInvestment reviewAsset allocation modelsInsurance:Screening and selection of Life, Disability, and Long-Term Health CareInsurance needs modeling and projectionsMedicareEstate Planning:Helping coordinate trusts, strategies, and insuranceRetirement Planning:Retirement modeling and projectionscomprehensive financial planningSocial Security planningBusiness: Pension plan asset managementEmployee benefits coordinationBuy-sell and other owner issuesWayne and Scott offer knowledge and experience with the services listed above. In addition, they would be happy to meet with any of your family, friends, or colleagues who need help in any of these areas. Investments Bonds*Common StockEducational IRABrokerage Accounts*Traditional IRARoth IRASEP IRASimple IRATreasury Bills*Government Securities*Treasury Notes*Variable Annuities* Financial Planning Retirement Plans Tax Plans 401 (k) Planning 403 (b) Planning College Plans Estate Plans Money Purchasing Plans Profit Sharing Plans Insurance Disablility IncomeLife InsuranceLong Term CareMedicare *Securities offered through Royal Alliance Associates, Inc., Member FINRA/SIPC.