Personal Financial and Wealth Creation Planning

PERSONAL FINANCIAL AND WEALTH CREATION PLANNING

95% of all Americans alive today will reach retirement age with less money than they need to retire comfortably. 75% will retire with less than half of this amount. (source: United States Bureau of Labor Statistics.) The genesis of this gloomy situation is simple: the great majority of these people failed to plan adequately for their financial futures. Providing for your own financial future requires much more than just a pension plan and good intentions--it demands professional planning.

Without adequate planning, the future can become a financial nightmare. In order to help reduce the risks to you from such a scenario--and because so many variables can affect your long-range financial objectives and success--The professionals at The O'Neill Company follow a practice of close and careful asset management.

Even so, merely protecting your assets is not enough. At The O’Neill Company, we draw on many years of experience in helping our clients to maximize the accumulation of additional assets. We can design for you a hand-tailored asset management and wealth accumulation program with the objective of yielding optimum benefits, both immediately and in the future.

On request, we will be happy to do the same for any of your particularly-valued key employees.

Survivor Benefit Planning
Salary Continuation/Disability Planning
Wealth Creation Planning
Retirement Planning
Educational Funding Strategies
Mortgage Reduction Planning
Health Care Planning

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IMPORTANT DISCLOSURES - PLEASE READ

The services and products described on this web site are intended to be made available only to persons in the U.S., and the information on this web site is only for such persons. Nothing on this web site shall be considered a solicitation to buy or an offer to sell insurance or a security to any person in any jurisdiction where such offer, solicitation, purchase or sale would be unlawful under the insurance and securities laws of such jurisdiction. In addition, this web site provides only a simplified description of insurance coverages and is not a statement of contract. Coverage may not apply in all states (see Agency License Information). For complete details of coverages, conditions, limits and loses not covered, be sure to read the policy, including all endorsements, or prospectus if applicable. All listed insurance carrier, health, wellness and financial web site links are in no way affiliated with The O'Neill Company or ValMark Securities, Inc.

The O’Neill Company and its agents are presently licensed to sell traditional life insurance in the following states:

Arizona, California, District of Columbia, Minnesota, Missouri, Nebraska, Nevada, Oregon, Pennsylvania, Virginia, Washington

Securities products may be sold in the following states:

Arizona, California, District of Columbia, Minnesota, Missouri, Nebraska, Nevada, Oregon, Pennsylvania, Virginia, Washington

Securities and Investment Advisory Services offered through ValMark Securities, Inc., Member FINRA/SIPC and ValMark Advisors, Inc., a SEC Registered Investment Advisor. 130 Springside Drive, Suite 300, Akron, OH 44333-2431 · 800-765-5201. Each firm is solely responsible for only those products and services that they provide.

This WWW site may not be used to place, buy or sell orders for securities or investments or to give instructions regarding accounts maintained by any user with The O'Neill Company. The material in this site does not constitute a recommendation or endorsement with respect to any company, security or investment. We do not guarantee any return on investment and maintain that securities investing should be considered a risk.

In no event shall The O'Neill Company or any of its directors, employees or other representatives be liable for any special, incidental, indirect or consequential damages of any kind including, without limitation, those resulting from loss of data, income, profit and on any theory of liability, arising out of or in connection with the use or performance of this web site.

This site could include technical inaccuracies or typographical errors. Changes are periodically added to the information herein; these changes will be incorporated in new editions of this web site. The O’Neill Company may make improvements and/or changes in the product(s) and/or program(s) described in this web site at any time.

Terry R. O’Neill is a Registered Representative and Investment Advisor Representative of and offers Securities and Investment Advisor Services through ValMark Securities, Inc., Member FINRA/SIPC and ValMark Advisors, Inc., a SEC Registered Investment Advisor.

Applicable copyright laws protect the contents of this The O'Neill Company web site on the Internet. No permission is granted to copy, distribute, modify, post or frame any text, graphics, video, audio, software code, or user interface design or logos. No link is permitted to any portion of this site, which could reasonably lead to misunderstanding or confusion as to the ownership, authorship or copyright of said portion.

All information and content on the The O'Neill Company we site is subject to applicable statutes and regulations, furnished "as is," without warranty of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, or non infringement.