Product List

We provide advisors a comprehensive product list covering the full range of brokerage, investment advisory and insurance products. Selling agreements are added by request if we do not currently work with an organization as long as the product/company/service`s offerings are consistent with the values of Espey Financial.

Insurance Products

Life, Health*, Disability, Annuities, Long Term Care, Medicare Supplements*, Medicare Advantage Part C*, Medicare Prescriptions Part D*, Home Health Care*, Cancer and Property* & Casualty plans* for individuals and Group Life, Health, Dental, Vision, Long and Short Disability for businesses.

Investment Products**

Stocks, Bonds, Options, Managed Money Platforms, REIT's, Limited Partnerships, 1031 plans, Mutual Funds, Money Markets, IRA's, 529's, 401(k)'s, SEP's and much more.

*These products and services are not offered by Guardian. Disability Income and Long Term Care products underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY. Products not available in all states. Product provisions and features may vary from state to state.

**Securities products and services offered through Park Avenue Securities, LLC (PAS) , (OSJ address and telephone number.) PAS is a registered investment advisor and broker/dealer. [DBA Name] is not an affiliate or subsidiary of PAS or Guardian. PAS is a member FINRA, SIPC.