With the Schwendeman Agency we feel you truly get the best of both worlds. Whether it's for an individual or a business, we can help bring leading-edge solutions and financial ideas to the mid-sized marketplace, all with the values and intimacy of a family business. Our approach is about finding solutions, not selling products. It's about earning trust and building a relationship, not just a transaction.
We believe the first step in finding a solution is to identify and understand the problem or challenge. We start with a discovery process to help clients articulate a goal and insightfully understand the challenges and opportunities in achieving it. Whether it is planning for business retirement, business key person life and disability insurance, succession for the business, or individual financial and estate planning, our team at the Schwendeman Agency has the knowledge and experience to help guide you through the process. Often we are the ones "quarterbacking" the planning with various other key advisors, such as CPA's and attorneys working to build plans that are comprehensive and customized.
We invite you to talk with us and start a discovery process that could lead to innovative solutions to your business or personal planning needs.
Securities offered through ValMark Securities, Inc. Member FINRA, SIPC. Investment Advisory Services offered through ValMark Advisors, Inc. an SEC Registered Investment Advisor, 130 Springside Drive, Suite 300 Akron, Ohio 44333-2431, 1-800-765-5201. Schwendeman Agency, Inc. is a separate entity from ValMark Securities, Inc. and ValMark Advisers, Inc.
Life & Disability Planning
You don't have to look far at most any company's advertising to see or hear that "the company's most important assets are our people." And nothing else could be truer. Protecting the people so critical to your business should be a fundamental part of any business insurance plan. We have a broad range of plans that can help you protect your most important assets.
Mutual Funds & ETFs
There are a broad range of various mutual fund investments available today that provide flexibility in structuring plans to help build your financial future. Our offering portfolio also includes Exchange-traded funds (ETFs), a fairly recent mutual fund innovation offering some unique advantages.
Representatives at the Schwendeman Agency offer investments through ValMark Securities, Inc. and ValMark Advisers, Inc., a national independent investment firm.
Individual Variable Annuities
The big question about retirement is, will I have enough income to maintain my lifestyle through retirement. Everyone has a different risk tolerance, time horizon and specific goals. Variable annuities may be an important part of your portfolio. With a range of options available, representatives at the Schwendeman Agency can help match your specific situation.
Variable Life Insurance
Variable life insurance could fill an important role in your financial planning. Unlike traditional life insurance, variable life offers not only an insurance policy, but also the potential for greater cash value and death benefit growth. Variable life insurance gives you a variety of investment choices as well as some flexibility regarding premium payments and withdrawal options. It is not for everyone as it does entail some risk. We can help you understand if variable life insurance is a good fit for your plan.
Personal Financial & Retirement Planning
Climbing to the top of a mountain is considered by some to be a great achievement. However, the real goal of climbing is not simply to reach the top, but to reach the top and return safely. Since 80% of all climbing accidents occur on the descent, it's the second half of the journey that presents the greatest risk.
It's the same for retirement income planning. For years people work hard and focus on accumulating enough assets to retire comfortably. However, the biggest risk may occur during the income distribution phase when one starts to live on the retirement savings.
The Schwendeman Agency uses the R.I.S.K Process™ to help plan for a safe descent. We believe it's an effective approach that simplifies the complexity in retirement planning and guides you through the process of building a Retirement Income Survival Kit™.
No matter how large or how modest, everyone has an estate. Think about everything you own—your car, home, furniture, personal possessions, investments, checking and savings accounts. You have worked hard for your estate and you want to make sure those things are given to the people or organizations you care most about. And that those things are given with the least amount paid in taxes, legal fees, court costs and anxiety to the receivers.
Designing an estate plan to leave the legacy you've dreamed is a personal, often challenging process. We can help. Start a conversation with the Schwendeman Agency. Our financial services team has the knowledge, capabilities and empathy to help you simplify the complexities.
Retirement Plan Advisory Group
The Schwendeman Agency is a member of the Retirement Plan Advisory Group (RPAG), one of the nation's largest provider of practice management resources for retirement planners.
Our RPAG relationship helps us bring leading-edge research, technology, and delivery systems to produce measurable results. We work to deliver all the benefits of 360 degree due diligence, plan compliance, fee benchmarking, shared knowledge and applied analysis. And with no alignment to any single plan provider, we can provide impartial, objective and balanced advisory service.
Business Owner Perpetuation & Exit Planning
With the history of the Schwendeman Agency spanning more than 85 years, we have had the good fortune to work with many business owners regarding their insurance and planning needs. We have seen businesses come and, unfortunately, seen them go. We have also seen and helped owners perpetuate their business through multiple generations, sustaining it beyond their personal involvement. Leaving the legacy of an ongoing business is one of the most satisfying endeavors that any owner can experience. Exit planning can make all the difference.
Exit Planning is the holistic approach of assisting a business owner, or owners, to transition the business and provide continuity of ownership beyond their direct involvement. As members of the Business Enterprise Institute for Exit Planning the Schwendeman Agency team can assist you in transitioning your life's work, leaving it in good hands and exiting it with the knowledge that you have enough financial resources for the next step of your life, whatever that may be.