David M Edwards-Assoc Financial Service

David M. Edwards & Associates Financial Services, Inc., was founded with the goal of assisting our clients in every aspect of their financial lives. We've provided the most comprehensive and personal service available, thus earning a reputation for excellence with our clients. For each of our clients we strive to create financial stability and security resulting in financial independence and peace of mind.

A graduate of Hershey High School, Harrisburg Area Community College, the Pennsylvania State University (B. S. in Business Administration), and the Life Underwriting Training Council (LUTCF), Dave entered the insurance business in. My objective is helping clients fulfill their financial dreams and goals through tailored holistic strategies.

We recognize that for business owners a financial strategy must be built around their business and how it fits into their lifetime objectives. A business can represent the greatest asset a client owns, or it can become the largest problem in a poorly-assembled estate or financial plan.

Since our approach is holistic, we recognize that a profit sharing pension plan or any particular investment recommendation may be insufficient when put in the context of a business transfer strategy, executive retention plan, or long-term business growth objective.Additionally, while some strategies may have been appropriate when implemented, reviewing them for current sufficiency and progress towards a stated goal is critical to stay on track.

A solid foundation is paramount when building something of great value. This is never truer than in the design of an overall financial strategy. In volatile times, when a plan becomes subject to unexpected changes in circumstances or liquidity, it can deteriorate or collapse under its own design.

A strategy should allow for contingencies, like the death or disability of a principal earner, loss of a job or reduction of income, a medical emergency, a special needs child, or to act on an unexpected financial opportunity.We discuss strategies with a "protection first" philosophy, that is, protecting what our clients have before addressing the risk and uncertainty of something they do not have.

Manage personal affairs while you're alive and control the distribution of wealth upon your death. A well-structured insurance strategy can help protect your loved ones from the financial consequences of unexpected events. Create an investment strategy that's designed to pursue your risk tolerance, time horizon, and goals.