We specialize in designing comfortable insurance and investment portfolios for companies and individuals. We assist our clients in developing comprehensive plans to accumulate wealth through tax minimization and diversification. Retirement Planning: Roth IRA and IRA management accounts IRA and 401(k) rollovers SEPs, Single Ks and KEOUGHs Simple IRAs, defined contribution 401(k) and 401(k) Roth plans Comparability & discretionary profit sharing plans Pensions maximization and coordination Target defined benefits plans Life Insurance: Business & personal insurance Buy/Sell agreements Equity building & term contracts Short pay & High cash value plans Selective executive & deferred comp plans Mortgage and dependent protection General Savings & Investing: Cash management & portfolio development Money market funds Mutual funds - treasury funds stock & bond investments Tax-deferred, tax free and tax-advantaged investments Variable and fixed annuities/stable value Tax-exempt unit trusts Medical Insurance: Individual, Family, and Group medical coverage Long term care and asset protection Disability Insurance: Income replacement with numerous options and designs Business overhead expense disability insurance Key person disability Buy/Sell disability funding Education Planning: Disciplined programs using tax advanataged products & designs Estate Planning: Hypothetical probate Estate resource analysis Policy audits Sylvia C. Young is a registered representative of and offers securities through MML Investor Services, Inc. Young Financial Group, LLC is not a subsidiary or affiliate of MML Investor Services, Inc.