Global Financial, Inc.

Helping You Make Smart Decisions About Your Finances


Areas of Expertise 


  • Insurance Needs: The Foundation of Your Financial Portfolio

Whether temporary or permanent, basic or major, we help you find the most suitable policies in the areas of Life, Health, Medicare, Disability, Long-Term Care, Dental, Vision, Hospital, Accident, Cancer, Critical Illness, Heart Attacks, Travel and Trip Cancellation, Emergency Evacuation, Adventure Sports Coverage, Green and Environmentally-friendly Insurance and more.

Many insurance solutions are not just coverage plans that indemnify a designated beneficiary in case of a loss; they are valuable, versatile assets duly owned and managed by people like you.


  • IRA's and IRA Rollovers: Retirement Savings and Investments

There are several types of tax-advantaged Individual Retirement Arrangements (IRAs) that you can use to save for your future retirement.  Some are for individuals and others can be used if you're self-employed or have a small business.  You must have some amount of taxable earned income - from a job, alimony, or from your spouse if you file taxes jointly - to be eligible to contribute to an IRA.

The different types of IRAs are: Traditional, Roth, Self-Directed, Simplified Employee Pension (SEP), Savings Incentive Match PLan for Employees of small employers (SIMPLE), and Stretch IRA.


  • Retirement Planning: Retirement Income Supplement

Find out the most beneficial techniques to supplement your retirement income. Explore the multitude of tools and allocations available to you. Maximize your tax advantages during both the accumulation and distribution phases.

Know the pros and cons of opening an annuity account while taking into consideration all the pertinent factors such as: liquidity, risk tolerance, safety and protection, investment goals, account performance and time horizon.


  • Estate Planning: Strategies to Hedge Estate Tax Liabilities

It is crucial to have a solid estate plan in place that captures all applicable benefits in tax legislation and incorporates mechanisms to minimize estate tax liabilities; a good estate plan should also facilitate an orderly transfer of assets and provide for the needs of the family. 

Tax laws and family needs are constantly changing; so a reliable estate plan should always afford a level of flexibility that allows the plan to adapt over time. Individuals should also review their estate plans periodically and make necessary adjustments as circumstances change. 


  • Education Funding: 529 Plans and other College Funds

Some of the advantages of setting aside funds through those plans for future college costs are: tax benefits (both at the state and federal levels), low maintenance often needing no management, donors retaining control of funds, simplified tax reporting, flexibility for changes and adjustments, and high contribution limits.

But on the flip side, there are some disadvantages as well; those include market risk and stipulations on tax-free distributions. Find out if those plans are a fit for you and your family based on your children's ages, your marital status, and your investing preferences.


  • Business Services: Business Continuation or Succession

Establishing and funding a Buy-Sell agreement ensures an orderly transition of the shares of a business or of an entire business. Business continuation has to account for the management and ownership needs that may exist within the family business or any type of company partnership.

There are three types of buy-sell agreements: a cross purchase (also known as an entity buy-sell) where the co-owners buy out the exiting or deceased owner's share; stock redemption where the company itself buys out the owner who is leaving or deceased; and a hybrid plan, which is a combination of these.