INSURANCE AND INVESTMENTS

We offer independent comprehensive strategies and integration of all of your assets to help you reach your financial goals. Our offices use the latest technology. 

  • Full service brokerage for mutual funds, numerous variable annuity companies, stocks, bonds and money markets.
  • Managed assets platforms through Ameritas Investment Corp.
  • 401k plans, installation and individual rollovers and transfers. 
  • We offer retirement planning and pension rollovers, Individual IRA's.
  • Life Insurance: Variable,  Life,  Whole Life and Term products.
  • Variable and Fixed Annuities.
  • College 529 plans or UGMA accounts.
  • We coordinate trusts and wills with either your attorney or our network of counsulting firms.
  • Professional guidance on Group Benefits, and Individual health insurance. (MI, IL, Oh)

Kay and Phil Chenoweth CLU, ChFC, Investment Advisor Representatives, conduct business in MI,IL,FL,TX,CA,LA,SC,NH. For those persons inquiring from states where Kay and Phil Chenoweth do not currently have advisory, securities and/or insurance licensed professionals, we cannot transact business in that state nor provide follow-up or individual responses, until after obtaining the appropriate licenses and/or registrations in that state.

This is not an offer of securities in any jurisdiction, nor is it specifically directed to a resident of any jursidiction. As with any security, request a prospectus from your registered representative. Read it carefully before you invest or send money. Insurance and securities are limited to the residents of :MI,IL,FL,TX,CA,LA,SC.

          

 
Calculators

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

Mortgage Refinancing

Determine whether you should consider refinancing your mortgage.

Disability Income Insurance

How much Disability Income Insurance do you need?

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Newsletters

Do You Have Enough Disability Coverage

Disability can affect anyone without notice, and a well-paid professional in the midst of a productive career has much to lose if he or she suffers a medical problem and is unable to work. But there are ways that high earners can expand their coverage and help ensure that their income, assets, and lifestyle are not at risk from a potential disability.

HOT TOPIC: Why Watch the Employment Situation

Labor reports showed some signs of improvement in the second half of 2011. This article takes a closer look at the official reports that track employment, factors that held back job creation after the recession officially ended, and whether recent gains are enough to spark more robust growth.

Keeping Pace with Social Security

In 2012, Social Security beneficiaries will receive a 3.6% cost of living increase for the first time in three years. But a recent study suggests that benefits are lagging far behind real expenses. This article explains how Social Security benefits are indexed and what older workers and retirees might expect from the program in the future.

Tracking the Rise of Target-Date Funds

Investments in target-date funds have grown during the last decade. They are often the default choice in employer-sponsored retirement plans and viewed favorably by some investors for their helpful approach to asset allocation. This article explains the advantages and disadvantages of these funds and cautions potential investors about several common misconceptions.

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