Available Products
 

With the variety of products provided at James Financial Partners LLC, we can help you meet a number of business and personal financial needs. Please review the full range of products, and contact us so we can help you fully analyze your needs and recommend appropriate solutions.

 Investments

Individual Investments# - We offer comprehensive products and services to help you develop a sound, long-term investment strategy. You can choose from over 10,000 mutual funds, including self-directed, tax-deferred Individual Retirement Accounts (IRAs). We also offer products to fund plans for companies of all sizes, ranging from SIMPLE IRAs to full-service defined contribution and defined benefit plans. 

• Traditional IRA: Pre-tax contributions, tax deferred growth, and taxable distributions.
• Roth IRA: After-tax contributions, tax deferred growth, and income tax-free distributions.
• Mutual Funds: Thousands of different Mutual Funds available through fund families such as American Funds, Franklin Templeton, MFS Funds, Oppenheimer Funds, Putnam Funds, and many others.

#Offered by NYLIFE Securities LLC (member FINRA/SIPC).

Return to Top

Employee Retirement Plans

Payroll Deduction IRA - Easy to set up and maintain. Employee contributions remitted through payroll deduction. Contributions are immediately 100% vested.

SEP - Easy to set up and maintain, and contributions are immediately 100% vested. Employer contribution only.

401(k) - Permits high level of salary deferrals by employees. Employee salary reduction contributions and there may be employer contributions. Employee salary deferrals are immediately 100% vested. Employer contributions may vest over time according to plan terms.

Profit Sharing - Permits employer to make large contributions for employees. Employer contributions are fixed. May vest over time according to plan terms.

contributions remitted through payroll deduction. Contributions are immediately 100% vested.

SEP - Easy to set up and maintain, and contributions are immediately 100% vested. Employer contributions only.

Simple IRA - Salary reduction plan with little administrative paperwork. Employee salary reduction contributions and employer contributions. Employee salaray reduction contributions and employer contributions are immediately 100% vested.

401(k) - Permits high level of salary deferrals by employees. Employee salary reduction contributions and there may be employer contributions. Employee salary deferrals are immediately 100% vested. Employer contributions may vest over time according to plan terms.

Profit Sharing - Permits employer to make large contributions for employees. Annual employer contribution is discretionary. May vest over time according to plan terms.

Money Purchase - Permits employer to make large contributions for employees. Employer contributions are fixed. May vest over time according to plan terms.

Defined Benefit - Primarily funded by employer. Right to benefits may vest over time according to plan terms.

412(e)(3) Benefits Plan - Contributions are generally 100% tax deductible for the business. Plan benefits are guaranteed by the claims-paying ability of the issuing insurer, as long as the premiums are paid on time, and they are free of market risk.

Return to Top

Annuities

 An annuity is a unique financial vehicle designed to help you accumulate money for your retirement and/or turn a lump-sum of money into a guaranteed stream of income payments.

Deferred annuities offer the advantage of tax-deferral and can be used to accumulate money for retirement. Learn more about which annuity might be right for you.

• Variable Deferred Annuities# - A Variable Deferred Annuity offers the advantage of tax deferral and can be used to accumulate money for retirement. The policy’s accumulated value – and sometimes the amount of monthly annuity benefit payments – fluctuates with the performance of your investment account. There are fees, expenses and risks associated with the contract. Please be aware than assets allocated to the investment divisions are subject to market risks and will fluctuate in value.
   
• Fixed Interest Deferred Annuities* - With a Fixed Interest Deferred Annuity, the interest rate on your policy is guaranteed never to fall below a certain amount. For many people, this provides a measure of security about their investment.

# Offered by NYLIFE Securities LLC (member FINRA/SIPC).
* Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation).


Income annuities are used to generate a stream of income payments that is guaranteed to last for as long as you need it to -- even for the rest of your life.


Guaranteed Lifetime Income Annuities** - An income annuity where income payments begin immediately - one period after the annuity is puchased. It is designed to provide you with predictable income monthly, quarterly, semi-annually or annually, no matter how long you live, and regardless of how the financial markets perform.

** Guaranteed Lifetime Income Annuities are issued by New York Life Insurance and Annuity Corporation (a Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company. In New York, the annuity is issued by New York Life Insurance Company.

Return to Top

Insurance

Life Insurance - Many people think that life insurance is only for people with families. While it is true that life insurance can help provide for the needs of dependents, life insurance also can be an important part of a well-thought-out estate, business succession or charitable giving plan. And permanent life insurance offers many living benefits as well, such as tax-deferred cash value accumulation. For all of these reasons, life insurance can be important for someone starting out — or for someone who's starting over. We can help you determine which one is right for you.

• Whole Life - Whole Life insurance is also known as permanent insurance. You receive coverage for your entire life, as long as premiums (which are a set amount per period) are paid. Whole life policies accumulate cash value tax-deferred.
   
• Term Life - Term Life policies provide coverage for a specific amount of time – such as 5 years, 10 years or 20 years. Term premiums are often less expensive than whole life premiums, but once the term of the policy is complete, coverage terminates. There is no accumulation of cash value.
   
• Universal Life* - Like Whole Life, Universal Life is a permanent insurance policy, which means that it covers you for your entire life, as long as premiums are paid. Universal life, however, offers you flexibility that enables you to change your premiums and death benefit as your needs change.
  
• Variable Universal Life# - Variable Universal Life combines the premium and death benefit flexibility of a Universal Life policy with investment opportunities. You can allocate your premium amongst a variety of professionally managed investment divisions plus a fixed account. Assets allocated to the investment divisions are subject to market risk and may lose value. Of course, with investment opportunities comes risk along with the potential for reward.
   
• Survivorship Life - Survivorship life insurance – available as whole life, universal life* or variable universal life# – covers two people and provides payment of the proceeds when the second insured individual dies. Survivorship life insurance is often used to help meet estate planning or business continuation goals.  

Long Term Care Insurance - Long-Term Care Insurance is still a relatively new type of insurance product. Many people do not understand what long-term care insurance policies cover, how and when the policies pay benefits, and who should obtain coverage.


Disability Income Insurance - Disability Income Insurance is a form of insurance that will provide monthly income to someone who has experienced a disability. In addition, we can offer specialized disability products to cover needs such as business overhead expense, key-person coverage, and business buy-out.
 

* Issued by New York Life Insurance and Annuity Corporation (A Delaware Corporation), a wholly owned subsidiary of New York Life Insurance Company.

# Offered by NYLIFE Securities LLC (member FINRA/SIPC).

Return to Top

Other Products

Please do not hesitate to contact us for additional information. We offer many other products and services not listed on this page that we would be happy to assist you with.
 

Return to Top