Financial Planners Waldorf

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.

LET A FINANCIAL PROFESSIONAL SHOW YOU HOW KNOWLEDGE PAYS OFF!!

Click Here For Additional Estate Planning Resources
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The Basics Of Selling Your Home Market Summary Detailed Quote
Mutual Funds Market Sectors Symbol Lookup
Investing in Stocks Market Movers
Living Trusts A-Z Listings

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This information is designed to provide a general overview with regard to the subject
matter covered and is not state specific. The authors, publisher and host are not
providing legal, accounting, or specific advice to your situation. This is not an offer of
securities in any jurisdiction, nor is it specifically directed to a resident of any
jurisdiction. As with any security, request a prospectus from your registered
representative. Read it carefully before you invest or send money. Insurance and
financial products are limited to residents of Maryland, Virginia, District of Columbia,
Pennsylvania, Delaware, and New Jersey. Residents of other states can be offered these
programs once we are licensed in the state.

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 firm`s client`s 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.

If you are interested in providing Investment Strategies, Personal Finance Strategies,
Educational Funding, Estate Planning,
Charitable Giving, Retirement Funding,
Business Finance Strategies, and Insurance
Analysis to prospective clients please contact

our company.

Planning Concerns - What are Your Concerns
Tax Deferred Annuities

PLANNING CONCERNS Social Security
Are you satisfied with your current Medicare/Medicaid Options
strategy? Are your plans up-to-date, or Required Minimum Distributions:
do they need to be changed. Use the list Qualified Retirement Plans
below to identify your potential financial Individual Retirement Accounts
needs. (IRAs)

WHAT ARE YOUR CONCERNS INCOME PROTECTION

ESTATE PLANNING Disability
Income Protection Strategies
Wills/Durable Power of Attorney Asset Protection Strategies
Health Care Directives/Living Will Creditor Protection
Revocable Living Trust/Irrevocable Income Tax Planning Strategies
Trust Home Health Care
Lifetime Gifting/Family Gifts Assisted Living/Alternate Community
Wealth Transfer Strategies Care
Family Limited Partnerships Nursing Home Care
Limited Liability Companies Medicare/Medicaid Planning
Qualified Personal Residence Trust
Charitable Gifts/Charitable Trust ASSISTING
Charitable Remainder Annuity Trust PARENTS/CHILDREN
Charitable Remainder Unit Trust
Charitable Lead Trust Income/Savings/Insurance
Donor Advisor Trust Strategies
Pooled Income Trust Education/College Funding
Other Charitable Trust Options Strategies
Income Tax Planning
RETIREMENT PLANNING Living Expenses/Bill Paying
Services
Emergency Funds/Short Term Savings Divorce/Remarriage Issues
Wealth Accumulation Strategies Special Needs Trust
Investments Recreational/Leisure Volunteer
Pension/Retirement/401(k)Plans Activities
Individual Retirement Plans (IRAs) Reverse Annuity Mortgages

Alzheimer/Dementia Issues
Death/Dying Funeral Concerns

Financial Services Associates
10906 Timothy Court

White Plains, MD 20695-3104
Phone: 800-821-2304, Metro 301-843-0382, Local 301-645-0325

Fax: 301-843-1501
E-mail: [email protected]
http://www.hardingjs.com