The Sonoma County Grange Credit Union was established in 1948 to provide affordable financial services to individuals in agriculture

 

Invest Your Money Your Way – No-Obligation Financial Services From

 

 

David Ross, CLTC


Financial Services Professional


415.743.1013
dbross@finsvcs.com

 

 

 

Financial Services

Financial Products & Strategies

 
• Life and Disability Income Insurance
• Retirement Income Needs
• Budgeting and Cash Flow Study

Retirement Strategies

 
• Individual Retirement Accounts (IRAs)
• Fixed and Variable Annuities
    • Retirement Needs Analysis
• Tailored Retirement Programs
• Long Term Care Insurance

Tuition Funding Programs

 
• College Costs Analysis
• Insurance and Investments

Investment Products

 
• Mutual Funds
• Unit Investment Trusts
• Variable Annuities

Estate Planning

 
• Tax Reduction Strategies
• Charitable Giving

Business Continuation Strategies

 
• Funding Option Analysis
• Buy - Sell Strategies
• Family Business Succession
• Key Person Insurance

Executive Fringe Benefits

 
• Executive Bonus Plans
• Split Dollar Insurance
• Deferred Compensation Funding
• Salary Continuation Plans
• Non-Qualified Executive Fringe Benefits

Employee Benefit Program

 
• Group Life and Disability Income Insurance
• Pension, Profit Sharing, and 401k Plans
• Payroll Deduction Plans
• SIMPLE IRAs
• Non-Qualified Retirement Programs

Not all products and services offered through MassMutual.

 

 

About David

 

 

David Ross, CLTC


Financial Services Professional

Contact David
415.743.1013
dbross@finsvcs.com


Through trusted, long term relationships, we help families, individuals and business owners develop a strategy for their financial future.  By taking a holistic approach to financial services, we help our clients develop a sound, comfortable road map to their financial destinations.  Specific areas of focus and expertise include:  Protection Strategies, Tax Reduction Strategies, Retirement, Estate Planning, Education Tuition Strategies, Investment and Asset Allocation Strategies, Business Succession Strategies, 401(k) and Pension Management, and Benefits Design and Management.

Experience

 

Education

1994:  BS Finance, University of San Francisco, San Francisco, CA

FINRA Designations:  Series 7, Series 65, Series 66, CLTC

Personal

-Married with 2 wonderful children

-Resides in Marin County

 

 

 

Neither MassMutual nor any of its employees or agents are authorized to give legal or tax advice.  Consult your own personal attorney legal or tax counsel on specific legal and tax matters. 


Estate Planning services are provided working together with your Estate Planning Attorney, Tax Attorney and/or CPA.  Consult them for specific advice on legal and tax matters. Asset allocation does not guarantee a profit or protect against loss in declining markets. There is no guarantee that a diversified portfolio will out perform a non-diversified portfolio or that diversification among asset classes will reduce risk.


David Ross is a registered representative of an offer securities through MML Investors Services, Inc., member SIPC www.sipc.com . Supervisory office, 2121 N. California Blvd., Ste 395, Walnut Creek, CA 94596 (925) 979-2300.  Insurance offered through Massachusetts Mutual Life Insurance Company (MassMutual) and other fine companies.  Sonoma County Grange Credit Union is not a subsidiarie or affiliate of MML Investors Services, Inc or MassMutual.

• NOT A BANK OR CREDIT UNION DEPOSIT OR OBLIGATION
• NOT FDIC OR NCUA INSURED
• NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
• NOT GUARANTEED BY ANY BANK OR CREDIT UNION
• MAY GO DOWN IN VALUE

I am licensed to sell insurance in the following jurisdiction, CA, MD, OR, TX.  I am licensed to sell securities in the following jurisdictions, CA, MD, OR, TX.  I cannot communicate with, nor respond to requests from users who reside in jurisdictions where I am not licensed to conduct insurance and/or securities business.
Securites offered through MML Investors Services, Inc. Member FINRA (www.finra.org) /SIPC (www.sipc.org). Supervisory Office: 10 Charles Street, Suite 210, Providence, RI 02904, Tel: 401-435-3800.