9928 Old Ocean City Blvd.Suite 2
Berlin, MD 21811






Financial products used to implement and pursue your financial goals.

Investment Services:*

We recognize the commitment and responsibility we undertake when we provide investment advice. That's why we listen closely to your needs and concerns, and deliver high quality investment services that correspond to your unique objectives. We encourage each one of our clients to go through both a risk analysis and an asset allocation survey to ensure that any strategic investment planning we do truly reflects his/her financial goals.

Business Continuation:

Working with your other professional advisors, we design, implement and provide funding alternatives for business continuation and/or succession plans to protect against premature death or disability. By providing business valuation services, and tax succession plans, we can help your business succeed both today and tomorrow.

Trust and Estate Planning Strategies:

Trusts can be ideal for keeping assets out of probate and for reducing estate and income taxes. They can be used to transfer assets for the protection of your heirs, to avoid taxation of life insurance proceeds in your estate and to keep your assets intact while paying income to someone you designate. Through the use of various trusts and other planning techniques, we can help you protect what you've worked a lifetime to build, and make sure that your assets are distributed as you want them to be.

The use of trusts involves complex tax rules and regulations.  Consider enlisting the counsel of an estate planning professional and your legal and tax advisors prior to implementing such sophisticated strategies.  The cost and availability of life insurance will depend on factors such as age, health, and the type and amount of insurance purchased.

Life Insurance:

Life and disability income insurance are about risk. Risk is the exposure to the possibility of loss, and it can be assumed, ignored, or transferred to a risk bearer. By asking the right questions and listening to your answers, we are able to recommend and help you implement strategies to meet your personal and business goals and objectives.

Disability Income Insurance:**

Through some of the country’s leading disability providers, we can help you design and implement appropriate personal and business disability insurance that will help you and your employees replace the flow of income lost due to periods of sickness or following an accident.

Employee Benefits:

Our custom designed, qualified and non-qualified employee benefit programs include:

  • Equity Split Dollar using corporate dollars for personal insurance.
  • Executive Bonus Plans fully tax deductible to the employer and totally selective in participation.
  • Deferred Compensation Plans provides maximum corporate flexibility and control
  • Salary Continuation Plans provides maximum security for key executives.


Products and Services provided through companies of National Life Group:


National Life Group® is a trade name representing various affiliates, which offer a variety of financial service products. 


The flagship of the enterprise, National Life Insurance Company was established in Montpelier, Vermont in 1848 and is licensed in all 50 states and the District of Columbia. From its very beginnings, National Life has been one of the innovators of life insurance in America, having introduced a number of improvements that are now regular features of policies sold by a number of insurers. Over the years, the company has made available a variety of new types of coverage and provided progressive improvements in underwriting and service practices.


Life Insurance Company of the Southwest (LSW), based in Addison, Texas is a wholly-owned subsidiary of National Life Insurance Company and recognized as an industry leader in annuity and life insurance products. LSW offers single premium and flexible premium annuities in versions designed for both the qualified and non-qualified markets. The company is a leading writer of indexed annuities, one of the most dynamic and innovative insurance products in many years. In addition to its annuity products, LSW also offers universal life, indexed universal life and term insurance. A hallmark of LSW's life products are their living benefit riders, including terminal, chronic, and critical illness riders.* Frequently referred to as "life insurance you do not have to die to use," LSW's combination of sound life insurance products and comprehensive riders can help provide financial security to individuals, families, and business owners. Established in 1955, LSW's mission is to provide insurance and annuity products that policyholders can depend on regardless of market conditions. LSW is licensed to solicit business in all states except New York.


* Living Benefits are provided by life insurance policies with Accelerated Benefit Riders. These no additional premium riders are optional, and may not be available in all states. Receipt of Accelerated Benefits will reduce the Cash Value, Loan Value and Death Benefit otherwise payable under the policy, may result in taxable event, and may affect your eligibility for public assistance programs.


Equity Services, Inc. (ESI) is a Broker/Dealer and Registered Investment Adviser affiliate of National Life Insurance Company offering an extensive line of financial products and services including mutual funds, unit investment trusts, stock and bond trading, public and private limited partnerships, real estate investment trusts, variable annuities and asset management services. Since its founding in 1968, ESI has been committed to making investing as successful as possible for clients while also recognizing that today's investing environment is one of constantly increasing complexity. ESI's high quality products and services are designed to form the critical foundation required for its representatives and clients to implement sophisticated planning and investing strategies which take advantage of today's opportunities while carefully managing risk.


Sentinel Investments® is the unifying brand name for Sentinel Financial Services Company, Sentinel Asset Management, Inc., and Sentinel Administrative Services, Inc.  The Sentinel Funds, distributed by Sentinel Financial Services Company, has a history that dates back nearly 75 years with the launch of its flagship fund, the Sentinel Common Stock Fund. The company is headquartered in Montpelier VT, with offices in New York, Philadelphia and San Francisco.


Securities and Investment Advisory Services are offered solely by Equity Services, Inc., Member FINRA/SIPC, a Broker/Dealer and Registered Investment Adviser, 9928 Old Ocean City Blvd., Suite 2, Berlin, Maryland 21811  (410) 629-0357.  All of the above companies are affiliated unless otherwise noted.  Key Advisors Group is independent of Equity Services, Inc. Securities involve risks, including the possible loss of principal invested.


** Disability insurance is available through representatives who are independently contracted with one or more disability insurers. Disability insurance is not underwritten nor issued by National Life Insurance Company or its affiliates.


Check the background of this financial professional on FINRA's BrokerCheck
Check the background of this financial professional on FINRA's BrokerCheck