Services and Products available in New Jersey and

                         New York.

                         Sound Financial Advice:

                              Financial Planning Services.

                         Insurance policies from top insurance companies:

                              Life Insurance - Term, Whole Life, Universal, Variable,

                              and Joint/Survivorship.

                              Health Insurance for Groups and Individuals.

                              Disability Income Insurance.

                              Long Term Care Insurance.

                              Property & Casualty Insurance.

                         Investment services:

                              Managed Accounts.

                              Stocks and Bonds.

                              Mutual Funds and Annuities.

                              Unit Investment Trusts.

                              529 College Savings Plans.

                              Coverdell education savings plans.

                          Retirement Plans:

                               Roth and traditional IRA's.

                               SEP and SIMPLE plans.

                               401(k) and Profit Sharing Plans.

                               Money Purchase Plans.

                               403(b) and 457 Plans.

                               Pension Plan rollover to IRA

                          Executive services:

                               Deferred Compensation plans.

                               Executive Bonus plans

                               Key Employee Insurance plans.

                               Split Dollar plans.

                               Buy / Sell Agreement plans.

Securities offered by Registered Representative

For additional information or to schedule a complimentary consultation, please go to the "Contact Us" page.