BUSINESS PHILOSOPHY

My goal is to always take care of families and business owners by putting their needs first and providing them with assistance in building their financial freedom. I have the skills, knowledge and experience required to help meet my client’s established goals. My personal goal is to become a lifetime resource for each and every client.

PRODUCTS AND SERVICES

 Fixed and Variable Annuities 

 Disability Income Insurance
 Estate Conservation Strategies
 Education Funding Strategies
 IRA Consolidation/Rollovers
 Long-Term Care Insurance
 Mortgage Protection (through life insurance and disability income insurance)
 Lump Sum Pension Distribution
 Medicare Supplement Coverage
 Pension Payout Alternatives
 Pension Transfer/Rollovers
 Mutual Funds
 Tax Sheltered Annuities, 403(b) Plans
 Term Insurance
 Universal Life Insurance
 Variable Universal Life Insurance
 Whole Life Insurance
 Business Planning Strategies

QUALIFICATIONS

 Registered to offer Securities products in New York  
 Licensed to sell Life & Health Insurance in New York and Arizona 
 Series 6 and 63 licenses
 RFC - Registered Financial Consultant designation

PERSONAL

 41 years in the Financial Services Industry: 11 years on Wall Street, 30 years MetLife
 Started as a Trader on the floor of the NYSE
 Vice President of JETS of America
 15-year member of Smithtown High School Advisory Group
 Hobbies: Chess
 James has been married to Diane, a CPA, for 27 years. They have 2 daughters, Jennifer, 22, and Melissa, 20