Insurance and Financial Services

What do you want in life? Are you rushing through a hectic day-to-day schedule so quickly that you haven’t stopped to see where you’re headed? Are you ready for the inevitable financial changes that occur in everyone’s life?

Preparing for that next step in life isn’t always easy. My combination of experience, professionalism and access to a wide variety of products and services can help you meet your financial goals, estate strategies and insurance needs. Whether your goals include preparing for milestone life events like retirement or college, or whether you’re simply looking for life insurance protection, I promise you a new level of attention, insight and capability.

Mark Karcher is your insurance and financial services professional. He can help you determine how you can meet lifelong financial goals through management of resources.

When preparing for your future, getting started now and saving whatever you can is half your answer. The other half is education into products that works with your lifestyle. That’s where Mark come in.

Mark specializes in offering the following services to help meet the needs of your future.

• Financial Resources
  • Life & Disability Income Insurance Needs
  • Retirement Income Needs
  • Budgeting and Cash Flow Study

• Retirement Products
  • Individual Retirement Accounts (IRA’s)
  • Fixed & Variable Annuities
  • Retirement Needs Analysis
  • Tailored Retirement Plans
  • Long Term Care Insurance

• Investment Products
  • Mutual Funds
  • Variable Annuities
  • Access to Managed Portfolios

• College Funding Products
  • College Cost Analysis

Business Protection

Implementing the right business strategies frees you to concentrate on your business goals and dreams.

Your business is most likely your most valuable asset. Take the time to protect it with carefully designed strategies to help bring you security.

You’ll also need to prepare for the unexpected – like maintaining business continuity during a disability (of yourself or one of your employees), or the death of a business partner.

Mark Karcher is your Financial Services professional. He can help to bring security to your business through products designed to help with:

• Business Continuation / Succession Plans
• Family Business Succession
• Buy/Sell Strategies
• Key Person Insurance
• Business Insurance to Secure a Loan
• Executive Fringe Benefits
• 401(k), Pension and Other Qualified Plans
• Deferred Compensation Plans
• Group Medical Insurance1
• Group Life, Long term Care and Disability Income Insurance1

Estate Analysis

Through careful estate analysis Mark can help provide you with a variety of products and strategies that are designed to help preserve your assets. You have worked hard to accumulate your assets. Plan ahead today to protect your loved ones.

• Estate Tax Minimization
• Distribution Planning
• Charitable Gift Giving
• Tax Reduction Strategies
• Life Insurance in an ILIT (irrevocable life insurance trust)
• Second to Die Insurance

1 Group Products are not offered through Massachusetts Mutual Life Insurance Company, but may be offered through other companies.

Mark A. Karcher is a registered representative of and offers Securities, through MML Investors Services LLC., Member SIPC. Supervisory Office: Towers Watson, 28411 Northwestern Hwy Suite 1000, Southfield MI 48034 Phone-248-208-0660.

Karcher Agency Inc. is not a subsidiary or affiliate of MML Investors Services, LLC or its affiliated companies, Member SIPC.

Mark A. Karcher is licensed to sell insurance products in:
Michigan
California
Florida
Illinois
Tennessee
New Mexico
North Carolina
Ohio
Virginia

Mark A. Karcher; state of domicile; CA Insurance Lic. # 0G79134

Mark A. Karcher is licensed to sell securities in:
Michigan
Florida
New Mexico
North Carolina
Ohio
Tennessee

Mark cannot communicate with, nor respond to, requests from users who reside in states where we are not licensed to conduct insurance and/or securities business.