BUSINESS PHILOSOPHY
 
My goal is to provide families and business owners 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 Annuities
• Variable Annuities
• Charitable Giving Strategies
• 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)
• 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   
  
  

QUALIFICATIONS

• Licensed to sell Life & Health Insurance in OH
• Registered to offer securities products in OH, KY
  
  

PERSONAL

• 8-year resident of Liberty Township
• Family-Spouse: Nicole, Daughters: Paige and Ava
• Hobbies: Golf and Travel
• Graduate of The College of Wooster

Richard Carmel is a registered representative of and offers securities, investment advisory and financial planning services through MML Investors Services, LLC. Member SIPC. OSJ: 3825 Edwards Road, Suite 210, Cincinnati, OH 45209. 513.579.8555.