CLIENTS
Polaris Financial Services Works with Indviduals, Families and Small business clients. We help each client to grow their assets, preparing for retirement of the individual, family or the Executives and their employees. We offer retirement plans including both IRA and ROTH IRA. We also offer SIMPLE, SEP and 401K Plans. Our 401K plans include both Tradtional and ROTH options. Our business and individual plans always include options tha can guarantee a growth rate or guarantee an increase in an income stream once retirement is acheived. We often use products that will Guarantee a Lifetime Income Stream that a client cannot outlive. Sometimes a client wants a stable level income for life and other times they want an income stream that is guaranteed to never decrease but is actually capable of increasing over time. Some of our products include an income increase tied to the performance of a market index and others are linked to changes in the Consumer Price Index (CPI).
Our life insurance products help protect a business from problems with business succession, or help keep Key Employees involved with the organization. Our Individual policies protect the families of a policy holder or their beneficiaries from being caught without the assets needed to meet long term needs.
We offer Term Insurance, Return of Premium Term (ROP Term), Universal Life (UL), Indexed Universal Life (IUL), Whole Life and Single Premium Whole Life (SPWL)
Our Long Term Care (LTC) or Disability (DI) products protect the asset base from premature depletion. They can also protect a survivors necessary living care needs from Spend Down provisions under state law. In Filial Law States including Ohio children of someone who receives care can be billed for the cost of care for an aging parent.
Our annuity range includes the top carriers in the industry. We offer Fixed Annuities, Fixed Indexed Annuities (FIA), Multi Year Guarantee Annuities, Single Premium Annuities, and products with or without Lifetime Income Riders. We do not offer Variable Annuities (VA) due to the Market Risk of loss present in those products.
We offer Health Insurance for individuals, families or small business clients. We offer Accident Plans, Hospitalization Plans, Critical Illness Plans and RX plans for clients who cannot afford Major Medical Plans. We offer our clients a prescription Medication Discount Plan at no cost to you.
We also offer Payroll Services for our Small Business Clients and in Ohio we offer our clients the possibility of participating in a Workers Compensation Premium Discount plan if your business is eligible!
Our goal is to provide a cost effective collection of business services thet help your business operate more efficiently!
TESTIMONIALS
​Cindy Ayers Design A small graphics design, and internet firm located in Westerville OH. The owner, Cindy Ayers, came to me as a referral from another small business owner based in Worthington OH. Cindy has also suggested that some of her contacts work with me! Cindy said.
“ Tom took the time to understand my needs and objectives. He helped me figure out where I stood at the time and what I needed to do in order to reach the insurance, financial and retirement goals I wanted to set. He reviewed my current programs and status. He explained which products in my current programs were still a good fit and he suggested that I keep those. Then he explained why another program I had set up, no longer met my needs and helped me transfer into a new program that is better suited to my current needs and situation. Tom, was able to find programs that suit me, rather than fit me into programs he needed to sell. I feel good about the plans he helped me put into place. We have done all of this and also reduced my exposure to Market Risk"
CindyAyersDesign@gmail.com