Individual Investors

We Study the Market So You Don't Have To

By utilizing technical and fundamental analysis, we are able to point you in the right direction toward your financial future. PRC takes a disciplined approach to investing. Whether you are a seasoned investor or just starting out, we can assist you in implementing a portfolio best suited for your objectives.

Technical Analysis utilizes Point and Figure charting. Point and Figure charting is based upon supply and demand. The law of supply and demand governs the movement of prices in stock, and all other types of securities. If there are more buyers than sellers willing to sell, the price rises. On the other hand, when there are more sellers than buyers, prices decline. These imbalances in supply and demand, and nothing else, cause prices of stocks to move up and down.

Point and Figure method of analyzing stock movement was designed as a logical, organized method of following this battle between supply and demand. Fundamental analysis is also an important tool in the selection of securities. A company must be fundamentally sound before we will consider it as an investment.

IRA Rollovers

We can show you how to keep your money working for you, whether you are retiring or changing jobs. We will review with you the options available to help you make the best decision for your retirement nest egg.

Financial Planning

Financial Planning - How much do you need to save now for retirement in the future? What will college cost for your children? How much should I save for their education? Do you need Home Health Care Insurance? Life Insurance? Palmer Retirement Consultants can help you determine what best fits your financial future.

529 College Savings Plan

A 529 college savings plan is a flexible college savings program that helps make saving for a child's higher education easier. Available to everyone—parents, grandparents, friends and family—to save today to meet the rising costs of higher education tomorrow.

Contributions to a College Savings program grow tax free while they are in your account. Additionally, distributions from a 529 account, when used for qualified higher education expenses are federal income tax free.

Long-Term Care Insurance

With Healthcare constantly on the rise and the unknown around the corner, be confident that no matter what the crisis, you are financially secure.

Annuities

Whether a variable or fixed annuity is best suited as a part of your financial goal, PRC works with the major Insurance providers to find the annuity best suited for you.

Variable Annuities—The combination of tax-deferred growth potential and guaranteed death benefit protection makes variable annuities a powerful alternative for reaching long-term retirement goals.

Fixed Annuities—offer predictable growth and flexible features that make planning for future retirement goals easier.

Please remember that guarantees are based on the claim-paying ability of the Annuity issuing company. Additionally, Variable annuity products involve additional fees, such as mortality and expense fees and sales charges in exchange for this guarantee. Surrender charges associated with early withdrawals from a variable annuity may be assessed plus withdrawals prior to age 59 1/2 will be subject to ordinary income taxes and may also be subject to an additional 10% penalty tax for IRA's. Be sure you read and fully understand all aspects of the annuity before you invest in an annuity.