David Winer is the President and principal planner at Elders Financial LLC. David entered the field of financial services in 1988. He has an undergraduate degree in Sociology and an MBA in Marketing and Finance.
David has more than 21 years insurance, 15 years retirement planning, and seven years securities experience. He completed Certified Financial Planning courses at PDI Institute, Dallas, Texas.
Since 1994, David has focused on providing a financially conservative, reduced risk approach to his clients. Emphasis is given to investment safety, liquidity, and potential tax reduction. David was born and raised in Wisconsin, and has made his home in Plano, Texas with wife and family since 1981.
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Elders Financial LLC
1-866-300-0659
Email Address:
davidwiner@aol.com
4125 Stanton Blvd
Plano, TX 75093
| Years |
Rate |
Minimum |
| 1 |
1.75% |
$10,000 |
| 2 |
3.00% |
$10,000 |
| 3 |
3.35% |
$10,000 |
| 4 | 3.95% |
$10,000 |
| 5 |
4.10% |
$5,000 |
| 6 |
4.00% |
$15,000 |
| 7 |
4.10% |
$5,000 |
| 8 |
4.25% |
$10,000 |
| 9 |
4.10% |
$5,000 |
| 10 |
5.00% |
$25,000 |
Click here if you are ready to contact us to learn more. Read further, if you'd like to learn more about our approach and services.
We achieve our objectives using the following instruments:
- Term Annuities
- Municipal Bonds
- Broker CD's
It is important to understand, that Elders Financial LLC and it's principal David Winer, focus on annuities, with an emphasis on Guaranteed Fixed Term (for example, 4.5% guaranteed for 5 years).
When it comes to Bonds, Broker CDs, REIT's, and other income focused securities, we stand ready to provide an introduction and referral to TMCFP professionals.
Right now a Term Annuity provides very favorable yields (Click Here to view rates). In addition, interest earned on non-qualified funds is tax deferred. If you seek competitive yields on Muny Bonds and Broker CD's Click Here.
There is a great deal of confusion and misunderstanding about annuities. Scott Burns and many others (including Elders Financial LLC) do not feel Variable Annuities are a suitable investment vehicle for Seniors due to the fees, commissions, and investment risk necessary to offset policy expenses.
However, the same Scott Burns back in 1999 wrote a highly favorable article about Term Annuities. The same disparity between CD and Term Annuity yields exist today. Click Here to read Scott's article and gain a better understanding of why we support the Term Annuity.
