Financial Products

Higher Ground focuses on assisting clients manage their wealth. Our obligation to our clients is not to make them rich, but to keep them from being poor. Three primary areas of focus:

Wealth Accumulation Strategies: The strategy of systematic (monthly) investments, commonly referred to as “Dollar Cost Averaging”. This is accomplished through a number of investment and/or insurance products; Mutual Funds, Fixed Indexed Annuities, Fixed Indexed Universal Life, Cash Value Life Insurance, Variable Annuities, Variable Universal Life.

Wealth Preservation Strategies: Holistic Needs Analysis, Cash Value and Term Life Insurance, Disability Income, Long Term Care, Group Health Insurance, Medicare Product Planning.

Wealth Management Strategies:

*College Funding – College Cost Calculators, 529 College Savings Plans, Prepaid Tuition

*Retirement Planning Strategies- Retirement Needs Calculators, IRAs, Roth IRAs, SIMPLEs, 401(k)s, 403(b)s, Pension / SBP Maximization, TSP Planning, Rollover Management

Higher Ground represents a large number of well known life insurance and investment companies, including Allianz Life, Banner Life, AIG/American General, Genworth Life, Prudential, John Hancock, Lincoln Financial, Protective Life, North American Life, just to name a few.

Among our mutual funds companies are American Funds, MFS, Oppenheimer Funds, Putnam, and Hartford.