FINANCIAL ADVISOR

Larry Saffer, President

Registered Representative & Financial Advisor, Park Avenue Securities
7860 Peters Rd, F-105, Plantation FL 33324
Ph: 954-474-5132
Fax: 954-423-0779
Larry@SafferFinancialGroup.com
http://www.safferfinancialgroup.com

“Guardian, its subsidiaries, agents or employees do not provide legal or tax advice. Please consult with your attorney, accountant, and/or tax advisor for advice concerning your particular circumstances.”

“Licensed to sell insurance in Florida”

What Constitutes a Good Referral To The Saffer Financial Group

1) The following describes the type of products and services I offer:

  • Fee Based Planning – Life Insurance – Group Health Insurance – Personal and Group Disability Insurance –Mutual Funds – Stocks – Bonds – Fixed, Variable and Equity Indexed Annuities –Separate Accounts – REITS – IRA’s – Long Term Care Insurance, Wrap Fee Programs and more…

2) Examples of Qualifies Referrals for me would be:

  • Business Owners that have been in business for 3 years or more
  • Women Business Owners
  • Married Couples with Children
  • Individuals who will need to care for the parents

3) Examples of Referrals that are NOT what I need are:

  • People with large amounts of debt
  • Clients that cannot see me during normal business hours

4) The Perfect Referral for me is:

  • Someone who has recently moved
  • Lost their job
  • Married with Children
  • Business owner with 5 or more employees
  • An open minded individual

5) Notable Mention:

  • We have been in the investment business since 1986
  • Television appearances, radio appearances and published Nationally
  • Lifetime Member Million Dollar Round Table – Court of The Table

Some of The Things We Do for Our Clients

In good markets and bad markets, you may ask exactly why you pay us. Below are some examples of services I provide. What a professional financial advisor does:

Financial Planning

  1. Cares more about you and your money than anyone who doesn’t share your last name.
  2. Helps you determine where you are at present.
  3. Guides you to think about areas of your financial life you may not have considered.
  4. Help you prioritize your financial opportunities.
  5. Helps you determine realistic goals.
  6. Studies possible alternatives that could meet your goals.
  7. Implements those recommendations.
  8. Suggests creative alternatives that you may not have considered.
  9. Reviews and recommends life insurance policies to protect your family.
  10. Reviews your children’s custodial accounts and 529 plans.
  11. Helps you determine your IRA Required Minimum Distribution.
  12. Persuades you to do the things you know you ought to do, even if you don’t feel like doing them.

Investments:

  1. Stays up to date on changes in the investment world.
  2. Reviews your existing annuities.
  3. Reviews your investments in your company 401 (k) or 403 (b) plans.
  4. Reviews your existing IRAs
  5. Guides you through difficult periods in the stock market by sharing historical perspective.
  6. Looks “inside” your mutual funds to compare how many of their holdings duplicate each other.
  7. Converts your investments to lifetime income.
  8. Helps you evaluate the differences in risk levels between various fixed-income investments such as government bonds and corporate bonds.
  9. Provides you with a written sector-based evaluation of your portfolio.
  10. Can provide you with technical, fundamental, and quantitative stock analysis.
  11. Provides you with alternative investment options.
  12. Provides introductions to money managers.
  13. Shows you how to access your statements and other information online.

Taxes

  1. Suggest alternatives to lower your taxes during retirement.
  2. Helps you reduce your taxes
  3. Repositions investments to take full advantage of tax law provisions.
  4. Works with your tax and legal advisors to help you meet your fincancial goals.

Person to Person

  1. Monitors changes in your life and family situation.
  2. Remains only a telephone call away to answer financial quesitons for you.
  3. Serves as a human glossary of financial terms such as beta, P/E ratio, and Sharpe ratio.
  4. Makes sure that that my firm provides excellent service at all times.
  5. Provides referrals to other professionals, such as accountants and attorneys.
  6. Suggests alternatives to increase your income during retirement.
  7. Listens and provides feedback in a way that a magazine or newsletter writer does not.
  8. Shares the experience of dozens or hundreds of his clients whoi faced circumstances similar to yours.
  9. Helps educate your children and grandchildren about investments and financial concepts.
  10. Helps with the continuity of your family’s financial plan through generations.
  11. Facilitates the transfer of investments from individual names to trust or from an owner through to beneficiaries.
  12. Keeps you on track.
  13. Identifies your savings shortfalls.
  14. Develops and monitors a strategy for debt reduction.
  15. Educates you on retirement issues.
  16. Educates you on estate planning issues.
  17. Educates you on college savings and financial aid options.
  18. Is a wise sounding board for ideas you are considering.
  19. Is honest with you.

Registered Representative and Financial Advisor of Park Avenue Securities LLC (PAS), 2 South Biscayne Blvd, Suite 1740 Miami, FL 33131. (305) 371-6333. Financial Representative, The Guardian Life Insurance Company of America (Guardian), New York, NY. Securities products/services and advisory services offered through Park Avenue Securities, a registered broker/dealer and investment advisor. The Saffer Financial Group is not an affiliate or subsidiary of Park Avenue Securities.

Park Avenue Securities is a member of FINRA, SIPC.

Submission number: 2022-132490 Exp 1/24