Ted Masters

Ron Dobrodziej

Foremost, our company’s philosophy is to provide solid and all-encompassing advice to our clients which include the use of time-tested products and the safety and security of such products.

We have been in the RETIREMENT PLANNING BUSINESS FOR OVER 30 YEARS, SPECIALIZING IN THE FEDERAL AND STATE EMPLOYEE MAKKETS FOR 25 YEARS.  Not one of our clients has ever LOST one penny of their assets due to MARKET CONDITIONS.  Our strength also includes our expertise in finding income that many clients are unaware that they can receive.

We are Financial Planners specializing in RETIREMENT PLANNING using only the highest quality, fully-guaranteed and insured products which have a GUARANTEE OF ”O” LOSS OF PRINCIPAL.


Many of the retirement products which we use also come with Guarantees of FUTURE LIFETIME INCOME as well as added benefits for HOME CARE. What is the difference between TRADITIONAL FINANCIAL PLANNNER and a RETIREMENT FINANCIAL PLANNER?

The difference between a traditional FINANCIAL PLANNER, and a RETIREMEN PLANNER is that the traditional financial planner works with his clients to help them CREATE ASSETS WHILE THEY ARE IN THEIR INCOME PRODUCING YEARS. When a client reaches the age of 55-60, or when they stop working, whichever happens first, they have GRADUATED INTO THE PRESERVATION PHASE OF THEIR LIFE’S ASSETS and they need to change directions to PRESERVE THEIR CAPITAL AGAINST ALL LOSSES since many more people will be living in retirement for more years than they may have worked or saved for.  (This is where we come in.)

Our client base is the TRADITIONAL MARKET. But primarily consists  of FEDERAL and STATE EMPLOYEES.

…. And again, OUR BUSINESS APPROACH IS TO HELP PEOPLE; as every client has HIS or HER own unique set of needs which is our challenge to meet.

Ted Masters, President/CEO