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JSO Financial–Your Personal Insurance Planning Consultants |
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JSO Financial specializes in Long Term Care, Life, and Disability Income Insurance, and Annuities, for personal, family, business and estate planning needs. Led by James S. O’Bryan, CLU, who has over 40-years of experience in the insurance business, JSO Financial also handles Life Settlements and Health Savings Accounts.
What are you looking for? |
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| Long Term Care Insurance |
Did your attorney or estate planner say that you had all your retirement ducks in a row except for the financial risk of a long-term care situation? We will help you analyze your potential needs, desires and existing provisions, and if insurance is indicated, provide you with a custom tailored, comparative cost/benefit study of available plans from several of our top rated companies. Yes, even multi-millionaires are buying LTCI to transfer the risk to an insurance company. |
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| Life and Disability Income Insurance |
PERSONAL: are you wondering if your current coverage is adequate, the beneficiary designations correct and is properly priced and structured to care for your current family responsibilities? Are you nearing retirement and need to revisit provisions made when your situation was very different? Or, have you just acquired a large home loan, or have a death tax problem? If you have potential death taxes, have you used properly drafted Trusts to reduce or elimiate them? BUSINESS/PROFESSIONAL: are your current Business Continuation Agreements reflective of your current situation? Is there adequate funding to cover present values? Does the Agreement and funding cover the long- term disability income risk? Or will you be supporting your partner and his or her family should he or she become disabled? Is there a need for Key Man insurance?
CHARITABLE ORGANIZATIONS: present unique challenges, particularly with evaluating the financial impact the death or long-term disability of the key person, or persons, will have on the organization. Jim O'Bryan, JSO Financial and associates at 3 Mark Financial have considerable experience working with charities, especially churches and mission organizations, in covering this risk.
Whether for personal, business or both, JSO Financial can provide expert assistance in analysis, and if indicated, recommendations for beneficial changes in existing coverage and agreements, as well as providing alternatives for the purchase of additional insurance from one of our high quality, competitive companies. |
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| Annuities |
For Annuities, we have a number of high quality companies including, to our knowledge, the only one that offers an Equity Indexed Annuity in Oregon. JSO Financial assists clients in shopping for and structuring Annuities in these areas: |
- Annuities for Investment–many that provide a higher return than CD’s, Money Market Securities and Savings Accounts.
- Annuities for Retirement–both immediate and deferred.
- Annuities for 401Ks, IRAs, 403Bs, start-up or on a tax-free rollover.
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| Life Settlements and HSA's are also available. |
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| Not sure what you are looking for? |
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| Comprehensive Approach |
Have a personal, one-on-one consultation with Jim O’Bryan, where he’ll conduct an in-depth interview, review your current insurance policies and related documents, wills, trusts, and business or professional agreements, and determine your current and anticipated needs, plans and goals. In return JSO Financial will provide you with a comprehensive report and, if appropriate, recommendations for improvements to existing policies, and/or alternative insurance solutions for your immediate needs and long-term goals. |
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| Top-Rated Insurance Companies |
As your personal insurance planning consultant, Jim’s loyalty is to you, his client, not to an insurance company. With the mindset of a professional insurance broker, his goal is to place the coverage with that company (or companies) that he would use were he in your situation. Only high-rated companies whose products are competitively priced are considered. JSO Financial maintains current rating reports on almost all companies. |
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| High Quality Associations |
| In an effort to provide clients with a wide selection of high quality insurance companies, which offer superior analysis, underwriting and service facilities, JSO Financial is associated with the following organizations: |
- 3 Mark Financial – Life Insurance and Annuities. Click to learn more.
- Master Care Solutions – Long Term Care Insurance. Click to learn more.
- Synergy Financial – Disability Income Insurance, representing The Guardian Life Insurance Company. Click to learn more.
- DI Broker – Disability Income Insurance, representing MetLife Insurance Company, Principal Life Insurance Company and Standard Insurance Company of Oregon. Click to learn more.
- Siskiyou Insurance Marketplace, Inc. (Oregon) – Property and Casualty Insurance, representing a number of companies for business and personal insurance needs.
- Insurance West Corp. (California) – Property and Casualty Insurance, representing a number of companies for business and personal insurance needs.
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| 3 Mark Financial |
Comprised of a large national network of independent professional agents and brokerage firms, 3 Mark Financial has an extremely qualified national/regional staff and represents a significant number of high-rated insurance companies. For years, 3 Mark has been the long-term, primary association of JSO Financial for the placement of Life Insurance and Annuities. Recently, Jim O’Bryan, with the assistance of his 3 Mark Financial associates—Ken Bowlin, CLU and David Royse, Vice President Exceptional Risks—placed four $1,000,000 policies and one $10,000,000 policy, two of them personal and three of them Key Man Insurance, for executives who traveled abroad extensively in high-hazard areas. Both the insured client and agent/broker benefit from 3 Mark’s ability to supply outstanding products and companies, state-of–the-art Internet based information systems and unsurpassed underwriting expertise. |
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