Symphony Financial Services - Symphony Financial Services

		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

Market-Moving Indicators for Monitoring Europe

If you've struggled to make sense of the ongoing European debt debacle, you're not alone. It's difficult even to keep track of all the pieces of this financial Rube ...

Retirement Rules of Thumb

Because retirement rules of thumb are guidelines designed for the average situation, they'll tend to be "wrong" for a particular retiree as often as they're "right." ...

Of Taxes Past, Present, and Future

With the 2011 tax filing season behind us, much attention is being paid to the expiring "Bush tax cuts"--the reduced federal income tax rates, and benefits, ...

What happens to my retirement benefits if my employer goes out of business?

If your employer goes out of business, any retirement plan your employer sponsored will be terminated. If the plan is a 401(k) or other defined ...

What is the Pension Benefit Guaranty Corporation?

The Pension Benefit Guaranty Corporation (PBGC) is a federal agency created by the Employee Retirement Income Security Act of 1974 (ERISA) to help protect pension plan ...


	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 . This communication is strictly intended for individuals residing in the state(s) of AZ, CO, GA, TN and WA. No offers may be made or accepted from any resident outside the specific states referenced.