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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Bracing for Potential Cybersecurity Threats

Understanding cyber security threats and some tips to help small businesses defend their data and protect their interests.

Advance Medical and Legal Directives

Expressing your wishes in advance could help loved ones feel more confident making medical or legal decisions.

Cash Balance Plans Can Help Supercharge Retirement Savings

Generous contribution limits for cash balance plans can help high-income business owners maximize retirement savings.

Insuring a Home-Based Business

Operate a business out of your residence? Consider an in-home business insurance policy as homeowners insurance coverage may not be sufficient.

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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