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Investment Advisory Services:

No load low fees for you or your business qualified plan. Independent Financial Services (IFS) is a registered investment advisor firm with the State of Michigan. We offer investment advisory advice for accounts down to $2000 utilizing mutual funds, stocks or bonds. All accounts are established with Shareholders Service Group who acts as your custodian. We also are a full service Independent Insurance Broker offering Life Insurance, Annuities, Health Insurance, Medicare Supplements, Long Term Care, and Disability. 

We have knowledgeable licensed insurance professionals that will help you with all your insurance needs.

Long Term Care Insurance: You hope for the best while we plan for the worse. We offer a wide and diverse range of packages to keep you protected. Long-Term Care insurance protects individuals from asset depletion and includes a range of benefits with varying lengths of time. This type of insurance is designed to protect policyholders from the costs of long-term care services. Call us today to get your no obligation quote.

Life Insurance: Your life is an invaluable asset. Let us make sure you and your loved ones get the best coverage, for life. To put it simply, life insurance protects those who depend on your paycheck. If you die prematurely, life insurance provides your dependents with ongoing income to replace yours, until (or unless) they can live comfortable without it. It can also provide a timely emergency fund for medical, legal, and funeral costs, should family savings not be adequate to cover them. Contact us today for your free capital needs analysis report.

Annuities: Planning with Guarantees. An annuity is an insurance product that pays-out income and can be used as part of a retirement strategy. Annuities are a popular choice for those who want to receive a steady guaranteed income stream in retirement. The income you receive from an annuity can be doled out monthly, quarterly, annually or even in a lump-sum payment. Time is money why lose either one. Call us today to see how to protect your assets from direct downside market risk and lost time.

Estate Planning: Preserving wealth with orderly distributions. We are an authorized facilitator for the Tom Doyle P.C. Law Firm, a Michigan Law Firm specializing in Estate Planning, Wills and Trusts. Our financial life survives us. Call or email us to schedule your consultation to get the specifics on how you can preserve your family's legacy.

Retirement Planning: Make work optional and retirement affordable. Planning for retirement is a concern for most people. The desire for a comfortable lifestyle at retirement begins with careful planning today. Understanding your retirement planning assets, including social security and supplementing them through careful planning of your investments can help minimize your retirement concerns. Looking for answers? Our Real World Retirement Report will give you the answers you need.

Medicare and Individual Health Insurance: Find your personalized plan. You buy health insurance for the same reason you buy other types of insurance- to protect you and your family. Understanding your options will help you make an informed choice. Call us today for more information about Health, Dental, Vision, Medicare or Disability insurance.

Business Insurance: Give your business tax-free money. A business owner is often irreplaceable. If the business owner dies the company itself could fall apart, and employees and heirs could lose all their assets as well as their jobs. With life insurance designed specifically for business owners, the company can be properly disbanded, sold or funds could be used to continue operations. Take the time to protect the business you built. Time is money. Why lose either one.