Fancher Financial Services

For Life Insurance, Estate Planning , Group & Individual Health benefits.

Since 1975, Richard A. Fancher has been involved in the insurance and financial services business, serving his clients with professionalism, honesty, and integrity.

It has been said that throughout life, there are 3 types of people: "The people that make it happen," "The people that watch it happen," and "The people that are wondering what's happening."


Since 1975, Richard began setting standards for himself, and helping clients to set effective goals, do appropriate planning, look to the future with optimism, and then move to a "make it happen position" for themselves and families future!

As with most other things in life, the key to achieving your long-term financial objectives is planning. Your goal may be to fund your children’s college education, protect your family during your working years, or guarantee your own retirement security. These things won’t happen by accident. It’s important to determine what you’d like to achieve financially and then map out a strategy that will help you meet those goals. The good news is that it’s never too late to start.

Of course, planning your financial future can be intimidating. Luckily, you don't have to do it alone. We are trained professionals who can help you identify your financial needs and then determine which insurance and financial products can best help you meet your objectives.

Please use our Web site as a resource, and do not hesitate to contact us for additional information or to schedule a meeting. Thank you for your interest.

Richard A. Fancher, DBA, *Fancher Financial Services and Tami S. Duvall are agents collectively licensed to sell insurance through New York Life and may be licensed with various other independent unaffiliated insurance companies in the states of KS, FL, AZ, MO, CA, UT, NC, LA (Lic# 0E03516). No insurance business may be conducted outside these states referenced.


Richard A. Fancher and Tami S. Duvall are Registered Representatives of and collectively offer securities products & services through NYLIFE Securities LLC, Member FINRA/SIPC, a registered broker-dealer,(913) 451-9100. In this regard, this communication is strictly intended for individuals residing in the states of IL, KS, FL, AZ, MO, UT, NC, LA, CA. No offers may be made or accepted from any resident outside the specific states referenced.

Fancher Financial Services is not owned or operated by NYLIFE Securities LLC or its affiliates.                            

    *see "About Our Team"  for details

 

Retaining MVPs with Executive Bonus Life Insurance

An economic recovery is likely to bring more job opportunities to top performers, but it could prove costly for businesses to replace productive employees who decide to leave. An executive bonus plan funded with cash-value life insurance can be used to reward and retain an organization's most valuable employees.

Retirement Plans for Small Businesses

With standard 401(k) plans, the amount a company's owners can contribute to their own retirement account is often restricted by how much other employees contribute to the plan. With the safe harbor option, owners may be able to make larger contributions for themselves in exchange for making tax-deductible contributions or "matches" for employees.

Protection from a Range of Liability Claims

It's projected that American companies will face $183 billion in tort costs in 2011, and $152 billion of that will land on the books of small businesses. Fortunately, there are several forms of business liability insurance that can help offset these unforeseen costs.

Understanding the Appeal of Mutual Funds for High-Income Households

Mutual fund ownership increases directly with household income. In fact, 81% of households with incomes of $200,000 or more own mutual funds. What is it about mutual funds that attracts affluent investors?

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