ABOUT US
Founded in 1984 by Richard David James, Financial Services of America is a for-profit, service organization dedicated to providing the highest quality professional services. By offering our clients a complete range of financial and insurance solutions, you will have the opportunity to develop a relationship and help your clients and their families protect their assets.
We are not a wholesale marketing firm. We are contracting qualified agents to run pre-set appointments with the members of the many associations that we service. When you run our appointments, you will have the ability to offer their members various insurance and financial products to help them with their needs.
We are not a wholesale marketing firm. We are contracting qualified agents to run pre-set appointments with the members of the many associations that we service. When you run our appointments, you will have the ability to offer their members various insurance and financial products to help them with their needs.
AffiliationsFinancial Services of America (FSA) and our affiliates have created exclusive relationships with several different associations. These associations give us access to their members so we may service them. FSA is looking for experienced, professional agents to service these members. If you qualify, you will be given pre-set appointments with qualified prospects who want to meet with you.
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Insurance & Financial SerivicesIf the area of need is financial or insurance related, then you will reschedule for a follow-up visit. At the follow-up visit, you will offer the client services that may include life, health, or long term care insurance, fixed annuities or various securities products such as stocks, bonds, mutual funds and variable annuities (depending on the licenses you hold). FSA has the ability to shop around and offer products from almost all companies with our main carriers being AVIVA, Fidelity & Guaranty, EquiTrust, National Western, Allianz, North American, American Equity, Voya and Athene.
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Property & Casualty ServicesOne of the benefits of their membership is a free quote on their auto and home owners insurance from Woodward Insurance Group. The quote will be done against the 20 carriers that we currently have, including Citizens, SafeCo, Encompass, Mainstreet America, Grange, Hastings Mutual, Michigan Millers, Michigan Insurance Company, Foremost, and Progressive. Right now we are saving members money and increasing their coverages 71% of the time. Completed quotes will be sent to you prior to your appointment, so you have time to review them. This is a great way to give yourself more credibility and save the client money at the same time.
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About Our Clients
In the past, a person might put in 30 years of hard work with their company. The main focus was to put food on the table for the family, pay the bills and put whatever leftover money there was in the bank. Hopefully, he/she stayed healthy enough to retire with a handshake, a gold watch and a pension check to help supplement Social Security. Many retirees had only a modest nest egg, but had minimal bills, no debt and were receiving a monthly income exceeding retirement expenses. Aside from filing annual tax returns and creating a will, retirement needs were generally met by programs put in place by the government or employer.
Fast forward to the Baby Boomers retiring today. The population explosion our country saw after World War II has created a generation of retirees that is much larger than either the generation before or after it. This has put a strain on the Social Security system that many retirees had counted on for decades. People realize that Social Security alone will not be enough to provide a comfortable retirement lifestyle. This puts more emphasis on a person's own retirement planning.
Unlike past decades, today most people do not stay with one company long enough to qualify for a pension, if one is even offered. This change from defined benefit retirement plans to the 401(k) concept of defined contribution retirement plans means more and more "average" workers are in need of sound advice. Also, with the addition of a second income to many households, families are finding their increased income may allow for more contribution to retirement and non-retirement investments. Many baby boomers will retire without the monthly pension check that was prevalent to workers before them. Instead, they may retire with 401(k), IRA and investment accounts worth hundreds of thousands of dollars or more.
This increased personal wealth that workers are retiring with today has increased the need for sound insurance, financial, tax and legal advice. Without proper planning, tens of thousands of dollars could be lost to unnecessary taxes, administrative fees, stock market losses or probate expenses. This concern has led to a large number of professionals offering to help families avoid these problems. Unfortunately, the cost of dealing with many of these professionals can be excessively high. Many people, rather than pay these exorbitant fees, decide to put off getting professional advice and are unaware of solutions that are available to them.
And that is why FSA was created. By combining the buying power of thousands of clients, FSA has made professional services available to its clients. By reducing or eliminating fees, we help our clients educate themselves in order to plan ahead and avoid unnecessary expenses and losses. That is what planning is all about.
Fast forward to the Baby Boomers retiring today. The population explosion our country saw after World War II has created a generation of retirees that is much larger than either the generation before or after it. This has put a strain on the Social Security system that many retirees had counted on for decades. People realize that Social Security alone will not be enough to provide a comfortable retirement lifestyle. This puts more emphasis on a person's own retirement planning.
Unlike past decades, today most people do not stay with one company long enough to qualify for a pension, if one is even offered. This change from defined benefit retirement plans to the 401(k) concept of defined contribution retirement plans means more and more "average" workers are in need of sound advice. Also, with the addition of a second income to many households, families are finding their increased income may allow for more contribution to retirement and non-retirement investments. Many baby boomers will retire without the monthly pension check that was prevalent to workers before them. Instead, they may retire with 401(k), IRA and investment accounts worth hundreds of thousands of dollars or more.
This increased personal wealth that workers are retiring with today has increased the need for sound insurance, financial, tax and legal advice. Without proper planning, tens of thousands of dollars could be lost to unnecessary taxes, administrative fees, stock market losses or probate expenses. This concern has led to a large number of professionals offering to help families avoid these problems. Unfortunately, the cost of dealing with many of these professionals can be excessively high. Many people, rather than pay these exorbitant fees, decide to put off getting professional advice and are unaware of solutions that are available to them.
And that is why FSA was created. By combining the buying power of thousands of clients, FSA has made professional services available to its clients. By reducing or eliminating fees, we help our clients educate themselves in order to plan ahead and avoid unnecessary expenses and losses. That is what planning is all about.