Get ready to take control of your finances.
After just one session, you’ll feel more in control of your budget, your savings goals, and your life.
What People Are Saying
"I've worked with Tonoff Financial for several years, initially for Disability Insurance and more recently to obtain Term Life Insurance. The disability coverage Mark, Brad, and the team recommended is excellent for my specific needs. He is very knowledgeable about all these policies and was helpful throughout the entire process. Both are great products and competitively priced. Several members of my group have since worked with him to obtain disability insurance. I would highly recommend reviewing what Mark has to offer for your coverage needs, particularly as young professionals to secure the best prices and protect years of future earnings."
— Dr. Robert C (Board Certified Emergency Medicine)
"I bought my disability insurance from Tonoff Financial Services. They made the process very easy and found me the best policy at the lowest cost. I highly recommend working with them for disability insurance."
— Cynthia Gessler, D.O. FACOEP
“The primary reason I sought Mark out for my retirement products is that I know him to be a man who values integrity, service, and quality. When I was facing a difficult life event that made my financial future questionable, I hired Mark in the capacity of financial professional, and his guidance was beyond worth it. He drew up an impeccably thorough assessment of my financial future that I, someone who does not trust my financial savvy, could understand. I cannot understate the value Mark provided me with respect to the quality of my life. The comfort and freedom I experienced allowed me to make a change in my work-life, which in turn enhanced my non-work life. I feel so lucky to have Mark overseeing my financial details because I don't have to worry that I'm overlooking anything or that he isn't working toward my best interests. I know Mark has my back.”
— Leslie Hahne
Our Services
-
Disability Insurance
We specialize in providing individual disability to Resident Physicians and Attending Physicians. As independent insurance brokers, we represent the top six insurance carriers that offer individual disability insurance to physicians.
Individual disability insurance is designed to provide you an income stream if an illness or injury prevents you from working. The product, however, is complicated and there are a number of items that are important to consider. The first and most important is the definition of disability because it determines if benefits are payable. You should consider policies that provide you with a definition that protects you if you cannot work in your occupation. This type of definition can be referred to either as own occupation or modified own occupation. Without this type of definition, the insurance carrier can argue that you are not disabled if you could still work in another occupation (regardless of what that occupation might be) and thus are not eligible for benefits.
-
Retirement Planning
Post-retirement planning, too often an overlooked aspect of wealth management, involves a different view, a different perspective — and an entirely different set of strategies.
Pre-retirement planning is about building enough savings to provide for a long and active retirement. But once you’ve climbed that mountain, what’s your strategy as you look beyond your last paycheck? You need a plan to replace your income in retirement and that plan should be designed not only so your money lasts you through your lifetime, but to fulfill your other goals and intentions, such as leaving a legacy for your heirs or favorite charities, traveling more, or purchasing a second home in your dream location.
-
Life Insurance
The life insurance industry is constantly evolving through low interest rates, longevity of population, financial stability of carriers and federal regulation. Consumers are forced to contend with a complex choice of products. As independent insurance brokers, we are able to offer Term Life, Universal Life and Whole Life from over 30 of the top life insurance carriers in the U.S. Our goal is to get our clients the best policy to meet their needs at the lowest possible premium. If you have life insurance and have not had it reviewed in the past two years or are looking for a new policy we can help you.
-
Long Term Care Insurance
Unlike traditional health insurance, long-term care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Long-term care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them.
The cost of your long-term care policy is based on:
How old you are when you buy the policy
The maximum amount that a policy will pay per day
The maximum number of days (years) that a policy will pay
The maximum amount per day times the number of days determines the lifetime maximum amount that the policy will pay.
Any optional benefits you choose, such as benefits that increase with inflation
-
Annuities
Annuities are designed to help pre-retirees and post-retirees meet their retirement income goals. We offer Immediate Annuities, Multi-Year Guaranteed Annuities and Fixed Indexed Annuities. Annuities are complex financial products and for consumers, selecting the best annuity to meet their financial objectives can be a daunting experience. We help you identify your retirement income goals and then compare a full range of annuity products to find the one that best meets your objectives.
-
Business Insurance
We offer a full range of business insurance products including group and individual disability insurance, key person life insurance, life insurance buy-sell policies disability buy-out policies and disability business overhead expense policies.