Products & Services

Building relationships with clients is what drives us. We utilize a broad spectrum of risk and investment products to help our clients achieve financial goals for themselves, their families and their business.

Businesses

Building a business is one of the greatest challenges you’ll ever face. Becoming profitable is a challenge, but maintaining consistent growth over time is the true test of success. The time and money you invest in your business should be protected and rewarded. 

You know what it takes to build a successful business. It takes vision, preparedness, skills and desire – not to mention a focused dedication to achieving your goals. If you are like most business owners, you’ve worked hard and made many sacrifices to grow your business. That’s why you should put just as much energy into protecting it as you did building it.

Whether you have an established enterprise or you are just starting- up, it’s never too early or too late to begin planning. Personal, retirement, estate and succession strategies all have to be considered while plotting your course.

Ask yourself these important questions:

1. Do I have a plan for my business when I retire?
2. Is my business capable of continuing its success in the event of my or my partner’s untimely death or disability?
3. Is my family adequately protected if something were to happen to me?
4. Have I done everything I can to attract, retain and reward the key employees that are critical to my business?

If you answered “no” to any of these questions, you may want to consider implementing a formal business planning strategy. Proper planning can help you protect your business, attract and retain key employees, and help ensure that your business transfers in the manner in which you choose.

No business plan is complete without a financial strategy for the unexpected. Start by exploring all your protection options. Then develop a long-term strategy that can help protect the continuity of your business should you, a partner, or key employee decide to retire, leave the business, or unexpectedly dies or becomes disabled.

Most business owners spend the majority of their time working in their business instead of on their business. We can help take care of the business protection needs that are critical to the long-term success of your business.

• Let us help you protect your investment by reviewing or establishing:
• Process for Attracting and Retaining Key Employees
• Employee Benefits
• Key Person Insurance
• Financial Management
• Retirement Planning
• Succession Planning
• Buy – Sell Strategies
• Bonus Plans

Educators

Educators have a complex program of benefits. Our approach is to utilize our expertise and experience as a “team” to assist our clients in understanding and coordinating their benefits.

We provide resources for both the educator and School Corporation. Those resources include educational workshops, financial planning, retirement plans (403b’s & 401a’s), insurance solutions, and individual investment programs. We also work with educators and retirees concerning their own specific needs.

Individuals & Families

No matter what financial circumstances you are in, WestPoint Financial is here to help protect you and your family through the ins and outs of life’s many changing events. Whatever your unique situation, we have financial solutions designed to help. We will identify, implement and consistently review a financial strategy that grows with your family’s ever-changing needs. We are currently serving over 200,000 families and look forward to doing the same for you.

Life Events

We’ll work with you to help you prepare for the unexpected and take you step-by-step through the uncertainties of planning for your financial future.

• Family & Life Changes
• Preparing for the Future
• Unexpected Hardships
• Wealth Accumulation
• Products & Solutions

We offer a wide range of products designed to provide you with the flexibility you’ve been searching for, and to help meet your needs during the unique situations life throws your way.

• 529 College Savings
• Annuities
• Disability Income Insurance
• Individual Retirement Account (IRA)
• Life Insurance
• Long Term Care
• Mutual Funds
• Trust Services

Our associates will listen to your needs and construct a program built around you. From insurance to retirement, we will customize a strategy designed to help get you where you want to go.

Special Care

Our Special Care Team assists families that are caregivers for individuals with special needs. Our team approach helps ensure proper life care planning for the individual with special needs and their caregiver. We provide education, resources and financial solutions for families so they can focus on caregiving.

Special Care Planners works with you and your professional advisors – your banker, accountant or financial planner, lawyer, social workers and health care providers – to review your financial picture and offer options that make sense for your situation.

The Special Care Planner receives advanced training and information in estate and tax planning concepts, special needs trusts, government programs, and the emotional dynamics of working with people with disabilities and other special needs and their families. 

If you are caring for a person with a disability or other special need—a spouse, a child, sibling, dependent parent or other relative or friend—we can help. The SpecialCareSM program, developed exclusively by Massachusetts Life Insurance Company (MassMutual), is an innovative outreach initiative that provides access to information, specialists, and financial products and services that can help improve the quality of life for people with disabilities and other special needs and their families and caregivers. By following a person-centered life care planning process, you can keep the person with a disability or other special need as the primary focus, and develop a life care plan that helps enable that person to obtain the best quality of life possible. 

Call out: A life care plan is a coordinated program of social, medical, financial, and legal strategies for people with disabilities and their families that continually changes to adapt to the needs of the individual throughout his or her life.

1. The Special Care Planner receives advanced training and information in estate and tax planning concepts, special needs trusts, government programs, and the emotional dynamics of working with people with disabilities and other special needs and their families. The certificate program is offered by The American College in Bryn Mawr, PA, exclusively for MassMutual Financial Services Representatives.
2. Chartered Special Needs Consultant (ChSNC®) — a professional designation awarded to those individuals who’ve completed 120 hours of academic classes in addition to holding either Chartered Life Underwriter (CLU), Chartered Financial Consultant (ChFC) or Certified Financial Planner (CFP) designations and previously completing the Special Care Planner certification program. The ChSNC designation was developed by The American College in Bryn Mawr, Pennsylvania. The certification program and the professional designation evolved from MassMutual’s SpecialCareSM Program.

For Family Advisors

If you have clients who are caring for a person with a disability or other special needs—a child, a spouse or a dependent parent—our SpecialCare SM program can help by providing access to information, specialists, and financial solutions that can help you and your client:

• find information and contacts related to health care issues,
• learn more about earning and supplementing an income,
• create a safe and accessible living environment,
• find needed special equipment,
• obtain educational assistance, and;
• enhance personal independence.

Through our SpecialCareSM Program, MassMutual helps make a difference in the quality of life for people with disabilities and other special needs and their families and caregivers.

CRN202102-244205

Residents and Physicians

We assist physicians and residents by designing specific strategies that fit their unique needs.

Our goal is to help protect your ability to earn an income and put insurance policies in place to keep that protection in the event of illness or injury.

Through a comprehensive financial planning process, we can assist you with accumulating, preserving and distributing your wealth. We advise our clients in areas such as:

Building emergency funds (money market accounts, systematic contributions, short-term investments).

Risk management ( disability income insurance, life insurance, long-term care insurance).

Retirement planning (Roth IRA, 403b, 401k, 457b, pension, non-qualified accounts)

Education funding (529 plan, Coverdell ESA)

Benefits review (retirement plans & matching contributions, insurance options, profit-sharing plans)

We work with more than 250 medical residents, fellows, & physicians and regularly speak to residency/fellowship programs at both schools and hospitals , providing educational outreach about financial planning in residency and in practice. We are a perennial sponsor at Match Day for graduating IUSM medical students and hold several events each year for graduating students and residents/fellows.

Agriculture

With our Midwestern roots, it is no surprise we have experience and expertise serving the farmers in our communities. We help farm families continue their operations through succeeding generations, ensuring the desired continuity while protecting our client’s family, land and legacy. 

Whether it is reviewing and updating an existing strategy, or helping new farmers plant their first seeds towards financial freedom, our team approach allows farm families to create and follow a tailor-made plan to ensure confidence and prosperity. 

Our experienced professionals work with other professionals (banks, attorneys, CPA’s) to design and build a roadmap that is protected from the unforeseen, prepared for the future, and able to grow and change just as the harvest—all within a timely manner.