Developing a financial plan is a daunting task for most people. At Parrish, Pulleyn & Young, we work with our clients to make this process as enjoyable as possible. We take our clients through a comprehensive question and answer process that allows us to identify and evaluate each client´s situation and unique requirements so that we may recommend a suitable course of action. Here are a few of the areas that we cover in the financial planning process:

• Goal Setting and Planning
• Insurance Planning
• Credit Management
• Capital Accumulation
• Tax Planning
• Retirement Planning
• Estate Planning

At Parrish, Pulleyn & Young, we offer full service brokerage solutions to our clients. Through your brokerage account, you will have access to a wide selection equity and fixed income products. We work with you to develop a sound, disciplined investment strategy through asset allocation and diversification based on your risk tolerance and investment objectives. Here are a few of the offerings available in a brokerage account:

• Stocks
• Bonds
• Mutual Funds
• Variable Annuities
• Exchange Traded Funds (ETF)
• Unit Investment Trust (UIT)
• Options
• Certificates of Deposit
• Fixed-Income Products

An attractive employee benefit program enhances a company´s ability to attract and retain high quality employees and has a positive impact on its employees´ attitudes and performances. A key solution to a successful employment relationship is to communicate your total value package, plus benefits, to your employees. At Parrish, Pulleyn & Young, we serve as a single point of contact for all of your employee benefit and business service needs. We coordinate the entire employee benefit package and provide a summary of benefits for each employee. We bring together all of your benefits; from health insurance to retirement plans to group life and disability. We design each of these benefits to the specification of the employer and customize for each individual employee. Here are a few of our services:

• Retirement plan administration and service
• Health Insurance; Group and Individual
• Life Insurance; Group and Individual
• Disability Insurance; Group and Individual
• Long Term Care Insurance; Group and Individual
• Key Employee/Executive Insurance
• Benefit Statements to all employees; combines statutory and non-statutory benefits
• Payroll Services

We believe that life insurance is a critical component of any financial strategy. We work with our clients to identify their life insurance needs through an in-depth needs analysis and current policy review. This allows us to answer the questions "How much life insurance do I need?" or "Do I currently have enough life insurance?" We work with over 40 life insurance carriers to provide the best solution to each client. Here are a few of our life insurance offerings:

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

It is never too late to begin planning for your retirement. Whether you are close to retirement age and need to begin consolidating retirement assets into an income strategy or if you are just beginning your career and planning for a distant retirement goal, we can develop a strategy for you. Here are a few of the retirement accounts that we offer:

• Traditional IRA
• Roth IRA
• Simplified Employee Pension (SEP)
• Savings Incentive Match PLAN for Employees (SIMPLE)
• Profit Sharing Plans
• Money Purchase Pension Plans
• 401(k) Plans
• Individual (k) plans
• 403(b)(7) custodial accounts

Estate planning is the most important area of the financial planning process. At Parrish, Pulleyn & Young, we work with our clients to facilitate the transfer of oneís property to survivors and minimize estate taxes. Proper estate planning allows individuals to determine the distribution of their assets (before and after death) according to their personal specifications and wishes. The objectives of estate planning differ for each client and should be reviewed annually.

Cash management is an integral part of the financial planning process. At Parrish, Pulleyn & Young, we offer cash management services for individuals and corporations. We offer a wide array of money market and certificate of deposit options, as well as check writing, debit card, and 24/7 fund transfer services for our cash management clients.

Education planning is often the single greatest financial planning concern of parents. With college costs increasing dramatically every year, a sound education savings plan is crucial to parents with children of all ages. At Parrish, Pulleyn & Young, we work with our clients to develop an education savings plan that is appropriate for each child and their individual education goals. Here are a few of the education savings account that we offer, many of which offer some tax advantage:

• 529 Plans (state specific)
• Coverdell Education Savings Accounts
• Custodial Accounts