The benefit of our unique organization is the clarity, confidence, and comfort our clients feelknowing they have the financial resources that make a difference and stand the test of time.

Pension Administration 5500 Preparation ADP Testing

Accounting Individual Tax & Business Tax Returns

Corporate Property & Casualty Banking Services

Mortgages - Original & Refinance

Institutional ServicesLarge & Small Group Benefits Legal - Wills & Trusts

BUSINESS PLANNING & EXECUTIVE BENEFITS

EMPLOYEE BENEFITS

FINANCIALPLANNING

ESTATEPLANNING

RETIREMENTPLANNING

INVESTMENTS

INSURANCE

Strategic Alliances

Services and Strategic Alliances

•Medical, Dental, Vision•Term Life & AD&D•Long/Short Term Disability Income•Supplemental/Voluntary Products•401(k) - Profit Sharing Plans•Defined Benefit Plans/§412(I)•SEP Plans•Simple Plans•403(b)/457 Plans

•Non-Qualified Discriminatory •Retirement Plans•Business Valuation/Succession•Buy/Sell Funding•Key Person Insurance•Deferred Compensation•Salary Continuation Plans

•Full Service Brokerage•Certificate of Deposit (FDIC)•Variable Life Insurance•Variable Annuities•Unit Investment Trusts•Advisory Services/ wrap accounts

•Comprehensive Planning•Fee Based Services•Non-Fee Based Services•Customized Portfolio Management•Financial Education Workshops•Planning for Families with Special Needs

•Estate Analysis •Tax Reduction Strategies•Gifting Strategies•Planned Giving through Charities•Planning for Families with Special Needs•Survivor Planning & Services

•Retirement Income Strategies•Lump Sum Distributions•Stretch IRA’s•IRA’s/Roth IRA’s•403(b)/TSA’s

•Life Insurance•Institutionally Priced Life Insurance•Long Term Care•Disability Income Protection•Impaired Risk Underwriting•Mortgage Insurance •Premium Financing•Life Settlements

Utilization of the Pinwheel“Our Process”

Introduction Meeting

DiscoveryWhat’s important to you

ConcernsGoals

Gather documents

Design

Single topic or comprehensive

Cash Flow

Budgeting

AccumulationEducation

Purchase a homeRetirement

InvestmentsMatching investments

with goalsAsset allocation

Business PlanningExecutive benefits Employee benefits

Business continuation Business succession

Income Tax

EliminateReduceor defer

Estate Planning &Wealth Preservation

DistributionDeath taxes

Presentation

Recommendations

Implementation

No procrastination

Monitor and Review

Key to ongoing success

Risk Management

Protecting your assets

Securities produces and services, investment advice and financial planning are offered through registered representatives and investment advisory representatives of Park Avenue Securities LLC (PAS), 7 Hanover Square, New York, NY 10004, 1-888-600-4667. PAS is a registered broker-dealer and investment adviser and is an indirect, wholly-owned subsidiary of the Guardian Life Insurance Company of America (Guardian), New York, NY. PAS is a member of the NASD and SIPC.

Neither PAS nor its registered representatives and investment advisory representatives offer legal or tax advice. O’Malley & Associates is not an affiliate or subsidiary of PAS or Guardian. Guardian, PAS and its representatives do not offer legal or tax advice or services. PAS is a member FINRA, SIPC.”