Do you need the services we can provide? Consider the questions listed below.

• Do you have adequate protection for your survivors in the event of your death?
• Would you be able to pay for long-term care if you or your spouse suddenly needed it?
• Do have enough money set aside to retire?
• Will you be able to afford to send your child to the college of his or her choice?
• Are you happy with your current investments?
• Do you have a plan to transition your assets and/or business upon your death?

Our purpose is to assist our clients in constructing and implementing a well balanced plan that helps provide a roadmap to financial security and satisfaction for themselves and their families.

Personal Strategies

Financial Planning
Because everybody is different, the best financial plans are those that are designed to fit to each individual's needs. Our process allows us to help meet our client’s goals and objectives.

• Review of Savings and Investments*
• Retirement Income Needs
• Budgeting and Cash Flow Study

Retirement Planning
Properly prepare to not just survive but thrive in retirement.

• Retirement Needs Review
• Individual Retirement Accounts (IRAs)

Insurance
This process enables us to determine how important the proper insurance coverage for each client, and then implement the coverage - all of which is critical to implement and sustain a comprehensive, customized financial plan.

• Life Insurance Needs
• Disability Income
• Long Term Care Insurance

Education Planning
      College education cost has continued to skyrocket, are you prepared for your children’s or grandchildren’s future?  Do you understand the tax benefits and rules of the educational investment plans?

• College Costs Analysis
• Insurance and Investment Products*

Full Service Investing
Invest with a experienced financial advisor who works with you to create, execute and manage a personalized investment strategy. We have a commitment to true diversification* across multiple asset classes. Our clients have access to an array of specialist strategies designed to operate independently of any single money manager. These alternative investments may protect against market downturns and better diversify portfolios

• Mutual Funds
• Unit Investment Trusts
• Fixed & Variable Annuities
• Direct Participation Programs
• Securities Brokerage Services

*Diversification does not guarantee against a loss and there is no guarantee that a diversified portfolio will outperform a non-diversified portfolio.

Estate Planning
      Have peace of mind and security for your loved ones.

Business Planning
Companies today – of all sizes - must make tough decisions regarding investment, insurance and planning.

Randy Puckett is a registered representative of and offers securities and investment advisory services through MML Investors Services, Inc., 8 Cadillac Drive, Suite 150, Brentwood, TN 37027.

NOT A BANK OR CREDIT UNION DEPOSIT OR OBLIGATION
NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
NOT GUARANTEED BY ANY BANK OR CREDIT UNION
NOT FDIC OR NCUA INSURED
MAY GO DOWN IN VALUE

i.      I am licensed to sell Insurance Products in the following jurisdictions: NC, TN
ii.     I am licensed to sell Securities in the following jurisdictions: CA, GA, NC, TN, TX
iii.    I cannot communicate with, or respond to, requests from users who reside in jurisdictions where I am not licensed to conduct insurance and/or securities business.

For more information on Sumner Bank & Trust products, click here.