RMS Financial Services
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We Specialize in Individual and Group Solutions

Individual Solutions

We offer a full range of specialized services with retirement as the final goal. For example, your retirement depends on three distinct planning phases over your personal time horizon.  These retirement phases are your Accumulation Phase, your Protection Phase in place for a given period of time, and your Distribution Phase.  The Distribution Phase is your greatest challenge.  We work with you so you are prepared for this Phase.  Work with us and you will have confidence implementing your retirement plan.
    • Annuities  (Fixed and Indexed)     
    • IRAs/Rollovers  
    • Retirement Protection                                                                   
    • Low Cost Term Insurance
    • Permanent Life Insurance
    • Long Term Care Solutions
    • Individual Health Insurance
    • Voluntary Benefits

Business and Group Benefit Solutions

The Small Business Owner has the greatest challenge of any in our country, and we can help.  We evaluate your need to provide benefits, but on the backdrop of your individual financial retirement needs and goals. We look forward to a long, successful relationship with our Small Business Owners.

Business Continuation Plans

  • Executive Bonus
  • Deferred Compensation
  • Buy/Sell Agreements
  • Key Person
  • Personal Needs

Group Services

  • Major Medical (featuring Consumer Directed Health Plans, the HSA & HRA)
  • Dental and Vision
  • Employee Paid Supplemental Insurance

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Our Service Advantage

Here are a few of the advantages we afford you.

* Your Needs are Our Priority.  We are not a fire and forget company.  If you place your trust in us, you will be rewarded.  We have to know your full financial picture and goals to service you properly.  We will review goals, and we will provide the advice you need in the future.

* We Focus on the Most Cost-Effective Solutions:  We are an independent firm.  We are not obligated by production requirements that tend to drive sales to a particular company.  We will find you the best product to fit your needs at the best price.

* We don't focus on volume.  We focus on clients that truly desire our services and want a long term relationship.

RMS Financial Services -- Phone: (301) 638-5097, Fax: (240) 208-0201