SERVICES

For Individuals:

PRODUCTS

1. Annuities
   • Fixed Interest Rate Products (Various Rate Guarantee Options)
   • Equity Indexed Products
   • Variable annuities via Harvest Financial Corp.
2. Life Insurance
   • Term (10 Yr., 15 Yr., 20 Yr., 25 Yr., 30 Yr. guarantees)
   • Universal Life -Whole Life
   • Variable Life via Harvest Financial Corp.
3. Disability Income Protection
4. Long Term Care
5. Health Insurance
   • Individual Major Medical/PPO/HMO
   • Short Term Medical
6. Stocks, bonds, municipal securities, mutual funds
   • Via Harvest Financial Corp.
   

PLANNING STRATEGIES

1. IRAs (Traditional and ROTH)
2. SEP and SIMPLE Retirement Plans
   • Also applicable for small businesses
3. Retirement and Estate Planning
4. General and/or Specific Need Investment Planning
   • Both Fuhrer's Inc. and Harvest Financial Corp.
5. 529 College Saving Plans
   • Via Harvest Financial Corp.

For Corporations and Small Businesses:

PLANNING STRATEGIES

1. Employee Benefits*
   • Group Health
   • Group Life
   • Group Long Term Disability -
   • Group Short Term Disability -
   • Group Dental / Vision
2. Retirement Plans** - 401(k)
   • Profit Sharing
   • Deferred Compensation Arrangements
   • Tax Sheltered Annuity Programs (TSAs)
3. Business Life Insurance and Disability
   • Key Person
   • Buy/Sell Arrangements
   • Overhead Expense Plans (Disability)
   • Corporate Long Term Care Programs

*Fuhrer's Inc. offers group employee benefits via a partnership with BABB, Inc., an employee benefit specialist firm located at 850 Ridge Ave., Pittsburgh, PA. 15212

** Fuhrer's Inc. and Harvest Financial Corp. provide funding vehicles for 401 (k) and profit sharing retirement plans. Via partnerships with a few select Third Party Administrator (TP A) firms, efficient management of such programs is provided.