Our business hours are mon-fri: 09:00am-05:00pm. Our products and services include 401(k) plans, 403(b) plans, annuities, asset management, debt consolidation, education savings plans, financial needs analysis, free consultations, home equity loans, individual retirement accounts, mutual funds and retirement planning. We specialize in complimentary financial needs analysis. We prefer to use these brands: citicorp trust bank, citigroup, ge financial assurance, smith barney, travelers and licensed.