Who we are

Life Licensed Agent Services

Quality | Integrity | Expertise

The fixed annuity market is a fast-paced, ever-changing environment. FSD Financial Services was founded to help agents navigate this complexity while meeting their clients specific needs.

FSD is committed to providing timely, efficient service, case design, and technical assistance to Life Insurance Licensed Professionals.

Independent wholesaler: What is the significance of independence? FSD gives you and your clients precise, unbiased and experienced guidance.

FSD provides you with the expertise, technical support and comprehensive access:

Life Insurance and Fixed Annuities
SPIA/DIA—Single Premium Immediate Annuities
MYGA—Multi-Year Guarantee Fixed Rate Annuity
FIA—Fixed Indexed Annuities
FPDA—Flexible Premium Deferred
IUL—Indexed Universal Life
GUL—Guaranteed Universal Life
SPWL—Single Premium Whole Life

Synergy With Many Groups

INDEPENDENT AGENCIES
LIFE AND P&C AGENTS
CPA & CFP FIRMS
INSURANCE COMPANIES
RIA FEE BASED PLANNERS
BANKS AND CREDIT UNION
BROKER DEALERS
FOUNDATIONS AND INSTITUTIONS
FRATERNAL ORGANIZATIONS
ATTORNEYS
MUNICIPALITIES

Versatile Products And Benefits

TAX DEFERRAL
IRA & ROTH
WEALTH TRANSFER
QLAC | LONGEVITY
TRUST OWNERSHIP
AVOIDING PROBATE
1035 EXCHANGES
QUALIFIED TRANSFERS IRA to IRA
TAX FREE DEATH BENEFITS
GUARANTEED LIFETIME INCOME
TAX EXCLUSION RATIOS ON INCOME
RETURN OF PREMIUM PRODUCTS
INHERITED AND STRETCH (Q) (NQ)

An IMO For Insurance Companies: FSD Financial is a true marketing organization. We not only appoint agents, we train them, and direct calls to us regarding product specific questions. Once the sale is complete we review the application and transfer paperwork before submitting. We can assist insurance companies looking to get into the fixed annuity field by helping with marketing and branding. We can also create and build products, set up commission schedules, client statements and introduce the carrier and the products quickly to a quality group of independent agents and agencies.

Responsive Service

SERVICE: Our comprehensive approach to fixed annuities brings together a network of carriers and resources to provide you with a level of service unsurpassed in the wholesale brokerage community. At FSD, we are serious about providing agents and advisors with prompt efficient service, case design, technical assistance, product training and broad market access. In addition to supplying illustrations, we provide the annuity broker with all necessary forms and contracting, case submission, and post sale follow-up. At FSD, we recognize that your time should be spent prospecting and selling. So, leave the processing to us. We continuously monitor the status of each submission for you for fast and accurate results.

INFORMATION: FSD is dedicated to providing the information you need to assure that you are current on all relevant issues. For instance, we continually update our web-site and social media platforms where you can find product information, current interest & commission rates.

OUR CARRIERS: FSD is a completely independent annuity and life wholesale marketing organization working to meet our brokers’ needs. We have developed relationships with many insurance carriers wherein our selections are based on company ratings, product offerings, new business service and competitiveness.
FSD believes in the value-added approach to insurance marketing; this is why you can feel confident in our approach to working with carriers. Our large number of carriers helps us provide the products you seek.

EXPERTISE: FSD maintains a nationally recognized expert who will help you every step of the way. Jeff Affronti, President of FSD has overseen, as a Marketing Organization, the placement of over $1 Billion of fixed annuities from Hawaii to Maine. Keeping up relationships with the executives and staff at the varies insurance company we represent as well as having a national social media presence keeps FSD relevant. Jeff is often called upon by carrier representatives across the USA to get his opinion on new product ideas or current market conditions. Darren FSD's VP and office manager has helped insurance companies refine their new business forms drawing on his over 15 years of experience in an operations role. FSD's expertise lies in understanding not only what fixed annuities offer, but how annuities are built, priced and sold.