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		Symphony Financial Services Rick Willoughby, AWMA®, AAMS® Brice Willoughby Registered Rep 480-209-6420 rick@symphonyfinancial.us

Mission Statement

It is our professional mission to position our clients where they are most likely to acheive financial success. When they are concerned to educate them on their options and the pros and cons of each. When clients are inclined to make emotional decisions act as an advisor not an agreer, to identify, implement and promote the appropriate course of action. Continuous education on the broadest possible range of investment and insurance products and how to properly apply them to solve real-life situations. We will forever maintain our indepedence from any and all financial product providers and be beholding to none except our client. The client will continue to be the center of our attention and will always come first over all else.

Newsletters

Election Year Tax Talk: Deciphering the Terminology

This year's election chatter is sure to include a healthy dose of tax talk. To keep up, here are five terms you should ...

Business Owner Succession Planning

Every successful business owner must eventually face the question: What will happen to my business when I become disabled, retire, or die? Sooner or later, you will ...

Seniors Are Often Targets of Scams

Anyone can fall victim to a financial scam, but seniors tend to be particularly popular targets. Frequently, fraud perpetrated against seniors is not reported ...

Can I provide annuity payments to my heirs after I die?

You may be able to provide income payments to your heirs for the rest of their lives through the use of a stretch annuity. A stretch annuity (also ...

Can I deduct losses from my variable annuity?

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	Rick Willoughby is a Registered Principal, Brice Willoughby is a Registered Representative both offering securities through Independent Financial Group, LLC, a registered broker-dealer. Rick Willoughby offers advisory services through Independent Financial Group, LLC, a registered broker-dealer and investment advisor. Member FINRA and SIPC. Independent Financial Group, LLC and Symphony Financial Services, LLC are not affiliated. 15022 S 40th Pl Phoenix, AZ 85044 Mutual funds and Variable insurance are sold by prospectus only and not available in all states. For complete information on sales charges, expenses and risks read all prospectuses carefully before investing. This does not represent the performance of any investment, past or present nor does it reflect surrender charges or possible tax penalties which would lower performance. 529 Plans are subject to fees and expenses. and a plan outside of your state may result in the loss of state tax benefits. Withdrawals made for any reason except education expenses may be subject to state and federal income tax and a 10% federal tax penalty. Tax-deferred accumulations may be subject to ordinary income taxes. Early withdrawals may be subject to surrender charges and a 10% federal income tax penalty. Licensed to sell securities in AZ, CA, GA, NV, OR,TN and WA. This material was created by Forefield to provide basic information on the subjects covered. The services of a tax, legal or financial professional should be sought regarding your individual situation and what investments are appropriate for you. For tax information go to www.irs.gov .