Business & Personal Life Insurance

At William J. Kalmer, CLU, Ltd., we define our role as advocates on behalf of businesses and families who require highly specialized financial and advisory services. Our goal is to help them maximize value and minimize risk for their assets.

As a member of PartnersFinancial, an independent national financial services company, our responsibility is to provide access to those sophisticated resources. Some of the professionals with our firm are registered to conduct securities business through Kestra Investment Services, LLC. With those resources in place we facilitate the complex corporate and personal financial decisions our clients must make. For example,

What are strategies for corporations to:

What are strategies for family businesses to:

What are strategies for affluent individuals to:


What are strategies for affluent families to:

We can help you get the answers you need

William J. Kalmer, CLU, Ltd. - The Decision Process

Life Insurance

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

Long-Term Care Self Insurance

Will you be able to afford nursing home care?

LTCI Cost of Waiting

Estimate the potential cost of waiting to purchase a long-term care insurance policy.

Disability Income Insurance

How much Disability Income Insurance do you need?

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Could the AMT Boost Your Taxes?

An explanation of how the alternative minimum tax works. It is expected to affect about 4.3 million taxpayers in 2016.

Comparing Your Retirement Plan Options

A look at some specific features of employer-sponsored retirement plans (401(k) plans, SEP IRAs, and SIMPLE IRAs).

The Cost of Caregiving

About one out of six American adults had provided unpaid care to another adult during the previous 12 months.

Indexed Annuities

The benefits and risks of indexed annuities, including ways in which return rates are calculated.

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Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck