-Investment Analysis and Implementation Securities offered through 1st Global Capital Corp., Member FINRA/SIPC; www.finra.org  Investment advisory services offered through 1st Global Advisors, Inc.   We currently have individuals licensed to offer securities in the states AL, AR, CA, FL, LA, NJ, OK and TX. This is not an offer to sell securities in any other state or jurisdiction. -Strategic Planning -College Funding Prepaid college Plans, UTMA or UGMA, 529 Plans, U.S. Series EE Bonds, Coverdell Education Savings Account, Financial Aid - What do all of these mean? Let us help you understand what these options are and determine which ones would be best for you. -Lump Sum Distributions If you are about to retire or even change jobs, the time has come to decide what to do with your retirement funds. Your decision on how to distribute these funds can have many different affects on your future. Let us help you plan your retirement funds and not have to worry about whether the funds will run out. We will help you choose options that will meet your needs in the future, reduce the influence of taxes, and avoid penalties. -Mutual Funds and Other Investments We will work with you in order to understand your financial goals. Together, we will be able to construct an investment strategy to aid you in your financial goals. -Fixed and Variable annuities -Disability Insurance -Term and Permanent Life Insurance The difference between Term and Permanent Life insurance is like the difference between renting and buying a house. Term is like renting a house. It provides immediate coverage, but it doesn't have any return when the coverage expires. Permanent life insurance is like buying a house. It allows you to accumulate cash on a tax deferred basis. -Financial Services Personal financial planning is essential to families at all income levels. Just a few things we can help you plan financially are: ~Saving for your child's education ~Keeping your family from raising into a higher tax bracket ~Retirement income concerns ~Anticipating an inheritance ~Starting your own business