Services

Insurance

Insurance products offered by DeMoss Financial include group and individual medical, both term and permanent life insurance as well as long term care insurance. Our Employee Benefits division works closely with our clients HR departments to create the best benefits package possible in the most cost effective way for the employer. We offer health, life, dental, vision, long-term care and supplemental policies, such as cancer, accident and hospitalization as well as employer sponsored retirement plans and prepaid legal.

Types of medical plans include traditional PPO's, self-funded plans and health savings accounts as well as PEO (professional employer organization) services.  PEO's offer human resources, employee benefits, payroll and workers’ compensation, recruiting, risk/safety management, and training and development -- to business owners as a cost-effective management strategy.  

We have also partnered with a Private Healthcare Exchanage which allows employers to create a defined contribution plan and gives the employees flexibility in choosing a plan that is right for them.  The Affordable Care Act has had and will continue to have a great impact on the world of Employee Benefits.   You can rely on DeMoss Financial to ensure you are well infomed and in compliance.

We also work with business owners in structuring key man life insurance and corporate buy/sell agreement funding.

Financial Planning

Estate Planning Strategies -- Is your legacy in place?  Together, we create a plan that will strengthen the financial foundation of your children and grandchildren well into the future.  With proper planning, your legacy can endure.

Retirement Planning -- Do you know the number?   DeMoss Financial can help you determine an appropriate and achievable dollar amount to meet your retirement needs and goals.  We will match the best financial vehicles -- 401k’s, IRA’s, Roth IRA’s and Roth Conversions – to your specific objectives.

College Savings Planning -- DeMoss Financial can estimate the future cost of college education for your children, and devise a plan to pay for it.    With savings programs like 529 Plans, Coverdell and UGMA plans, the goal is far more attainable than you might think.

Wealth Management

We offer the traditional full service brokerage accounts with stocks, bonds, mutual funds, check writing, etc.   In addition, we have acess to some of the most forward thinking fee-based advisory companies in the world.   As well as working with products such as annuities and other alternative investments such as Real Estate Investment Trusts.

DeMoss Financial works closely with our clients to choose the platform that best fits their needs and we monitor it closely to ensure your ultimate goals are being met.

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Please let us know how we can serve you.




Office Location

Marlo W. DeMoss, CPA, CFP®

89015 Overseas Highway
Suite 3
Tavernier, FL 33070
ph: 305.664.0034
fax: 305.664.0134

News

Financial and Economic Brief - May 23, 2017

• U.S. Stocks Rise - The Dow Jones industrial average rose about 100 points, the S&P 500 rose 0.4%, and the Nasdaq composite grew half a percent.

• Changing Leadership at Ford Motors - Ford Motors fired CEO Mark Fields because of the company’s falling stock price, down 37% since July 2014, and uncertainty about the future.

• Import Taxes on Sugar - China recently announced that it will impose “hefty penalties” on sugar imports.

Financial and Economic Brief - May 16, 2017

• NY Manufacturing Drops in May - According to the Federal Reserve Bank of New York, manufacturing in New York State dropped for the first time in seven months to minus 1 in May, from 5.2 in April (a reading below zero is an indication of contraction).

• Energy Ministers Agree to Extend Cuts - The energy ministers of Saudi Arabia (OPEC) and Russia (non-OPEC) recently met and agreed to do “whatever it takes to achieve the desired goal of stabilizing the market.”

• U.S. China Beef Deal - President Trump and his trade team took steps to clear two trade disputes with China that have negatively affected the U.S. livestock business for years.

Financial and Economic Brief - May 9, 2017

• Interest Rate Hikes “On Track” - Cleveland Federal Reserve President, Loretta Mester, said that the U.S. Federal Reserve has met its employment goal (unemployment was 4.4% in April) and has almost reached its inflation goal (2%), despite some recent “weak” economic data, so it should continue raising interest rates.

• Sinclair Acquires Tribune Media Co. - The largest U.S. broadcaster, Sinclair Broadcast Group, is set to acquire Tribune Media Co., in an almost $4 billion deal.

• S&P 500 and Nasdaq Down - Monday the S&P 500 and the Nasdaq Composite fell after reaching record highs.

Financial and Economic Brief - May 2, 2017

• Sustained 3% Growth Not Likely - According to former Federal Reserve Chairman Ben Bernanke, the U.S. economy is doing well but may not meet the ambitious growth expectations of President Donald Trump.

• Factory Growth Slows, Inflation Measure Drops - Ahead of the Fed’s policy meeting this week, several “weak” reports came in: U.S. factory activity slowed in April to a reading of 54.8, consumer spending was flat in March and a key inflation measure dropped, but even with the slower growth economists still expect an interest rate increase in June.

• U.K. Growth Falls to 0.3% - According to the Office of National Statistics, there was slower growth in the U.K. in Q1 because of weaker retail sales and lower spending on key consumer items.

Financial and Economic Brief - Apr. 25, 2017

• U.S. Gas Prices Rise - According to the Lundberg Survey, the average price of a gallon of gas rose 3 cents in the past two weeks, to $2.46.

• Weak Q1 Growth Expected - New home sales were unusually strong in January and February, but such gains typically mean an “offsetting retreat” lies ahead.

• Wall Street Rises after French First Round - After the first round of the French election results came in, the Nasdaq hit a record high on Monday, with other indexes also rising.

Financial and Economic Brief - Apr. 18, 2017

• U.S. Producer Prices Fall - According to the Labor Department, U.S. producer prices fell in March 0.1% for the first time since August.

• U.S. Dollar Drops - The U.S. dollar dropped 0.7%, after President Trump told the Wall Street Journal that the dollar is “getting too strong.”

• Wells Fargo Flat Q1 - Wells Fargo reported flat first-quarter profits amid larger costs and lower mortgage banking income as the bank continued to move beyond its issues over unauthorized customer accounts.