Services
At Three Sons Financial, we provide families with the tools and guidance they need to build a secure financial future. Our services include personalized family financial planning, expert support with IRAs and Roth IRAs, and comprehensive retirement strategies designed to help you reach long-term goals. We also offer personal pension options, life insurance tailored to protect what matters most, and managed accounts to keep your investments aligned with your financial vision. With a focus on clarity and confidence, we help families plan, protect, and prosper.
Our Services
IRAs | Roth IRAs
Life Insurance | Manage Accounts
Personal Pensions
An IRA is a Tax Deferred Individual Retirement account that allows individuals to save for retirement outside of an employer plan. Typically the money is tax deductible when you contribute then it grows tax deferred and you pay taxes as you withdraw it in retirement. Individuals can contribute up to $7500 for 2026. The earlier you start t
An IRA is a Tax Deferred Individual Retirement account that allows individuals to save for retirement outside of an employer plan. Typically the money is tax deductible when you contribute then it grows tax deferred and you pay taxes as you withdraw it in retirement. Individuals can contribute up to $7500 for 2026. The earlier you start the more you can benefit from compound growth.
A Roth IRA is an after tax individual retirement account where you are not able to deduct the money you contribute. That way it's after tax, the benefit is you don't pay taxes on the money when you withdraw it in retirement. The main difference is whether you are taxed now or taxed later. Typically I would recommend a mix of both.
Personal Pensions
Life Insurance | Manage Accounts
Personal Pensions
A personal pension plan is just what it sounds like. It allows you to take a lump sum of money and hand it over to an insurance company then they guarantee to pay you monthly for the rest of your life just like a pension. It can be money from an old retirement account or just money you have sitting in the bank.
Life Insurance | Manage Accounts
Life Insurance | Manage Accounts
Life Insurance | Manage Accounts
Life insurance is a contract between you and the insurance company where you pay regular premiums and in exchange the insurer agrees to pay a tax free lump sum called a death benefit when you pass away. There are two main types; term is temporary life insurance that covers you for a set period of time. It's typically more affordable and s
Life insurance is a contract between you and the insurance company where you pay regular premiums and in exchange the insurer agrees to pay a tax free lump sum called a death benefit when you pass away. There are two main types; term is temporary life insurance that covers you for a set period of time. It's typically more affordable and straightforward. Permanent policies like whole and universal life dont expire can build cash value over time but come at a higher cost.
Managed Accounts are where you pay a professional to choose the investments in an account for you, rather than taking on the responsibility of doing it yourself. It can be beneficial for people who are very busy or don't want to take the time to learn how to invest.