We offer in-depth review of your current coverage and assets and work with you to develop and engage a plan for your future. CMC Advisors is available for a one-time consultation or for on-going management of your insurance and financial portfolio.

Talk to us about Life Insurance, Disability Insurance, Annuities, Health Insurance, and any insurance needs. With today’s economic and political climate it is a good idea to get a check up to see if your current policies meet your needs today and your goals for the future. CMC Advisors will help you determine if your current Financial Retirement plans such as IRA, Roth IRA, Rollover IRA, 401(K), Keogh Plans, Pension and Profit Sharing Plans are meeting your retirement goals.

We can assist in managing your investment portfolio.

Call 1-800-CITRON-1 to discuss your needs.


A successful claims or litigation process depends on gathering the right information quickly and presenting it clearly.

  • Our careful economic analysis and industry research, presented through effective reports, affidavits, depositions or witness testimony, gives juries the basis to determine proper damage amounts.
  • Our financial investigations are thorough yet quick because our experts ask the right questions at the beginning.
  • The combination of in depth research and years of experience provides valuable conclusions that withstand scrutiny, even for intangible assets, closely-held businesses and other difficult-to-appraise interests.
  • Our tenacious consultants know where to look for insights that provide proper insurance recoveries, and other payments due under your policies and contracts.
  • We will work with you, your attorneys, and accountants.
  • We can help represent either plaintiffs or defendants.
  • We provide you information that enables you to better understand your options and make an informed decision on how to best protect your assets (people, property, net worth).


Annuities are flexible insurance contracts designed to provide income and help achieve long-term savings goals. Annuities are very widely accepted. Annuities are very low risk and extremely conservative all the while providing an income for the annuitant. Just as certificates of deposits are offered by a bank, an annuity is a long-term product offered by an insurance company.

After making a single lump-sum premium payment, or a series of periodic payments, individuals can then receive regular annuity payments from the insurance company. An annuity provides you with a fixed amount of money for a specific number of years, or they can last a lifetime. You cannot out live an annuity. It is also possible to have a period certain (10 years) and a lifetime guarantee. These types of annuities provide an income to the annuitant for a certain period of time (10, 15 or 20 years) or if the annuitant dies prior to receiving their guaranteed payout the beneficiary will receive the balance of the payments. The annuitant will keep receiving payments regardless of the number of years until their death.

Annuities can start immediately after the first premium payment is made or be tax deferred to start in the future. Payments to the annuity owner can also be tailored to begin after the contract has been established for a number of years. There are options in an annuity where money can be withdrawn without incurring any penalty.

Over time, insurance companies have modified and enhanced annuities however; their basic premise has always remained the same, conservative, low risk and income producing. Since an insurance company issues annuities, congress allows them to grow tax-deferred under current tax laws.

Life insurance provides coverage against the untimely, premature, unexpected death of the insured. For the young family just starting out the premature death may leave enormous financial responsibility to the survivor spouse, raising children, home mortgage, college expenses, last expenses and everyday living. For the middle aged couple the expense are the same, possibly two mortgagees or a vacation second home, maybe providing care for aged parents, weddings, sweet sixteen’s, quality of life issues. For the older or retired couple some of the expenses life insurance can deal with include final expenses, estates taxes, preservation of a lifetime of assets come into the picture and the desire or need to leave money to children or grandchildren. In today’s economy, it is not unusual for parents to be helping with children who may have lost their jobs or moved back home.

The basic types of life insurance or whole life and term insurance. Both of these coverage’s have many variations and have their own distinct characterizes. Smokers or non-smokers, high blood pressure, diabetics, over weight, cancer survivors are all insurable. Please call for quotes 1-800-248-7661.


What is term insurance?

Term insurance is a form of life insurance and is one of the least expensive ways to have life insurance protection. In comparison to whole life insurance, it is like renting instead of owning your own home. It is very popular with couples just starting at as it affords a lot of protection for a small cost. Families needing coverage that are burdened with other expenses find that the need for life insurance exists and the low cost of term insurance fits their budgets.

Unlike whole live or universal life insurance, term insurance does not build a cash value, has no loan provision and at some predetermined interval the premium will increase and/or the policy will end.

Some of the highlights of term insurance are:

– Low out of pocket cost of insurance.
– Available in various periods of coverage. One year, 5, year 10, year 20 year and 30 year coverage terms. (other years are available).
– Most plans can be converted to whole life or universal life without a medical examination.
– Available with the popular riders of double indemnity and waiver of premium.
– Various types of plans, level or decreasing term insurance.
– Smoker and non-smoker rates are available as well as rated policies for individuals with medical conditions.


Single premium life insurance is just what the name implies; an insured pays a single premium upfront and is insured for as long as they live without the need for an additional premium payment. Unfortunately, this same definition does not apply when the variable part of the policy comes into play. Due to poor investment, stock market conditions the economy or plan bad investments the policy may require an additional premium payment as the years go by. Constantly go in and out of stock, bonds mutual funds will cause a good portion of the cash value to be eaten up by commissions. The lower the cash value the less money that is available for the insurance company to deduct the cost of insurance. As a person ages the cost of life insurance increased and even though you have a single premium policy if the cash value is not sufficient to deduct the cost of insurance from the insurance company will send you a bill. Thus the older you get the more the insurance cost and the possibility of needing more money or losing your policy exists.

The least appropriate person for this type of policy is someone living on a fixed income, social security or retirement benefits. A person in this category usually is an older person and easily susceptible to sales tactics in fear of running out of money and possibly becoming a financial burden to their children and family.

Variable life insurance is a form of whole life insurance that provided permanent protection to the beneficiary upon the death of the insured. This type of insurance is generally the most expensive type of cash value insurance because it allows the insured to allocate a portion of the premium to a separate account comprised of various investment funds within the insurance company’s portfolio such as stocks, bonds, equity funds, and money market fund and bond funds. In addition, because of investment risks variable policies are considered securities contracts, are regulated under the federal securities laws, and therefore must be sold with a prospectus.

The major advantage to variable life insurance policies is that they allow the insured to participate in various types of investment options while not being taxed on the earnings (until the policy is surrendered).The insured can also apply the interest earned on these investments toward the premiums, potentially lowering the amount you pay. However, due to investment risks, when the invested funds perform poorly, less money is available to pay the premiums, meaning that you may have to pay more than you can afford to keep the policy in force. Poor investment performance also means that the cash value and/or death benefit may decline. Unlike traditional whole life insurance where the premium and the cash value are guaranteed and the cash, value can be withdrawn under a variable life insurance policy you cannot withdraw from the cash value during your lifetime.


In today’s economic environment the need to care for ones’ own retirement has taken on a much greater importance. With unemployment at a staggering high rate, everyone’s needs to protect their retirement assets are extremely important. The earlier you start the less problematic it is. An example someone age 55 who saves $5,000 in this year and earns 2% will see that $5,000 grow to $6,216.00 at age 65.

Remember if you are 55 or older, you can put aside $5,500.00 per year towards retirement under age 55 the amount remains at $5,000.00.

There are many forms of retirement, IRA, Roth IRA, Rollover IRA, 401(K), Keogh Plans, Pension and Profit Sharing Plans. There are self-directed retirement plans or you can enlist the help of a financial planner such as the Citron Agency. Mutual funds, stocks, bonds, annuities, savings accounts certificates of deposits, treasury bills, government savings bonds, are just some of the items that can be used to fund a retirement account. Retirement expense maybe tax-deductible, the earnings maybe tax deferred or partially taxed. There are various reasons allowed for early distribution, (prior to age 59 ½), without a tax penalty, such as marriage, the birth of a child, disability, home buying, major medical expenses among others. We can provide one time guidance or act on your behalf in an ongoing manner. Please call for free information 1800 CITRON-1


Disability is always unexpected and yet people do not realize that a disability is 3 times greater to occur for 90 days or longer than death.

Can you survive without an income for 3 months, 6 months or a year? Will you eat up all your savings or have to borrow money from family and friends? Is your family prepared to support you or would you even ask them to?

Disability insurance provides tax-free income and can be as high as 70% of your income. If you subtract taxes and the cost of going to work this should be equal to the remaining 30%.

For the entrepreneurs and small business owners we can also provide additional coverage for business overhead expenses to replace your loss to the company.

All disability insurance policies have different variations. One year, two year, five year, ten year or lifetime benefits. There are different waiting periods before benefits start paying, 30 days, 60 days, 90 days, 180 days or one year. Policies can have different definitions of disability, disabled in your own occupation due to education or experience, or just disabled in any occupation (you maybe able to sell pencils on the street corner). There are riders for partial disability, residual disability, and presumptive disability. Allow our professional staff to navigate the minefield of disability policies for you. Please call for free quotes and information 1-800-CITRON-1.


Bankruptcy is a major life-altering step and should only be taken after all other options have been explored and exhausted. There are several sections of the bankruptcy code that are available and each has its own unique characteristics. No one in my opinion should handle their own bankruptcy and should seek legal advice in this very complex area of law. We are not lawyers and cannot provide legal information. There are both state laws for filing bankruptcy as well as the federal bankruptcy laws.

Bankruptcy will have an effect on your credit rating and will remain on your credit file for 10 years. No matter what you are told, it will remain with you.

What we here at the Citron Agency can do for you is talk to your creditors and try to negotiate a lower rate of interest or freeze your debts at the current level and possibly lower your balances. Even back taxes can be negotiated with the IRS. It is a long tedious process that requires the involvement of our staff of professionals and if bankruptcy is inevitable, we can recommend an attorney that can help you. Call as to discuss you situation at 1-800-CITRON-1.