The Putney Financial Group

Services offered by The Putney Financial Group

Many successful people fail to complete a comprehensive financial plan. Typically such planning is done piecemeal, getting some advice from an attorney for a will, an accountant for business or tax matters, and a stockbroker for investments. However, an independent professional advisor, free of any product or industry bias, can coordinate their overall financial and estate plans to satisfy the needs and desires of the individual. We specialize in working with your attorney, accountant, banker, and other advisors to design and implement an integrated, cohesive plan.

 Services for Individuals

• Investment asset allocation
• Retirement income funding
• Insurance/risk management
• College education funding
• Charitable gift planning
• Estate planning

 Services for Businesses

• Salary continuation plans
• Pension and profit sharing plans
• Executive compensation plans
• Estate tax reimbursement plans
• Business continuation arrangements
• Key person insurance

What We Teach

Long recognized by industry experts and lay people alike as excellent communicators, both Ray and Joe have been highly sought after speakers for many years. Lecturing and teaching since 1977, they are currently presenting the extremely popular "Financial Strategies for Successful Retirement" seminar at several Bay Area Universities. Many are looking forward to their upcoming seminar, "Responsible Wealth, a Survival Guide for the Socially Conscious Investor."

Products Offered by The Putney Financial Group

As independent financial planners, we are free to place our client's business with literally thousands of insurance companies, mutual fund families, and various other investments. From this group we have carefully selected only the firms that have:

• Competitive and comprehensive investment products that are well suited to our client's financial and personal needs.
• Some of the best known and most reliable insurance companies as demonstrated by the past history and ratings from independent agencies such as Standard & Poors, AM Best, Duff & Phelps, and Moodys.
  

We use the strategy of "shopping" for the most suitable insurance and/or investment products by always considering several competing firms and comparing their attributes and features in light of our client's circumstances and objectives.

Ray, Bill, and Joe are Registered Representatives of McClurg Capital Corporation, a registered broker dealer firm protected by Securities Investor Protection Corporation (SIPC). Member of FINRA.  Securities held in custody for your account by Pershing LLC are protected up the total amount held in the account. Of this total, SIPC provides $500,000 of coverage, no more than $100,000 of which may be in cash. The remaining coverage on securities only is provided by Pershing LLC through a commercial insurer. The account protection applies when a SIPC member firm fails financially and is unable to meet obligations to securities customers, but it does not protect against losses from the rise and fall in market value of investments. McClurg Capital Corporation is located at 950 Northgate Drive, San Rafael, CA 94903. Their telephone number is (415) 472-1445. Prospectus available upon request. Products offered by The Putney Financial Group are available only in California.