Jennifer A. Schaefer MBA, CFS,CLU, RHU, REBC

I have been providing employee benefits solutions for 14 years. Independence Financial Associates provides a one stop shopping for our clients. Our approach is to free up the HR manager and do every task for our clients. *We add and delete employees *Mail out kits to all new hires *Follow up on paperwork *Help with claims issues-20 years experience *Give our number to every employee *Quarterly seminars on many topics available *Health Advocate for clients- 7 days a week Register Nurse available to speak with.  Please call us today for a quote(877)355-6070.

Mutual Funds, Annuities, Stocks, Bonds, and other investments are available through Hornor, Townsend, Kent, Inc.  Such investments will fluctuate in value and are subject to investment risks, which may result in the loss of principal.

Jennifer is currently licensed/registered to offer insurance and securities in her resident state of PA, along with DE, MD & NJ.  Additionally, Jennifer can offer securities in the states of CA, DC, FL, IL, MA, NC, NY, OH, VA & VT.  Not an offer or solicitation in any states where not properly licensed and/or registered.

If you are a resident of any other state, please note that it is a simple procedure for Jennifer to become licensed in your state, she currently holds Series 6, 7, 63 licenses.
Calculators

Life Insurance

How much life insurance would you need to produce a sufficient income stream for your family?

Federal Income Tax

This calculator can help you estimate your annual federal income tax liability.

IRA Eligibility

Use this calculator to determine whether you qualify for the different types of IRAs.

Cost of Retirement

Use this calculator to estimate how much income and savings you may need in retirement.

More Calculators →

Newsletters

Designating Retirement Plan Beneficiaries

IRAs and defined-contribution plans have become an important component of personal wealth for households. Designating account beneficiaries and keeping the designations current can be a complex — but important — process to perform on a regular basis as certain life events and tax situations can necessitate a change.

Retaining MVPs with Executive Bonus Life Insurance

An economic recovery is likely to bring more job opportunities to top performers, but it could prove costly for businesses to replace productive employees who decide to leave. An executive bonus plan funded with cash-value life insurance can be used to reward and retain an organization's most valuable employees.

Settling on a Salary

As a company's profit situation improves, business owners may be in a position to decide whether to take home a larger salary or use more of the proceeds to invest for the future. This article discusses the possibility of choosing a business-owner salary that allows for other benefits, such as building the business, saving more for retirement, and adding employee benefits.

Is Your Business Ready for a Structure Change

Periodically, business owners may want to reconsider whether their current business structure is meeting the needs of their companies. For business owners seeking to expand their operations and reduce their exposure to risk, a popular entity has been the limited liability company. This article describes some additional benefits associated with LLCs.

More Newsletters →