Services

Services – Individuals

Investment & Retirement Planning

Your investment needs and objectives are unique, so it’s important that your financial advisor understands your specific circumstances and goals. We take the time to learn about your situation and understand fully which investment vehicles might work best for you.

After a comprehensive review, we can then make recommendations on how to meet your targets in such areas as:

  • Retirement accumulation
  • Retirement income generation
  • Portfolio asset allocation
  • Short-term cash needs
  • Tax minimization

With a bit of consultation, you’ll feel much more confident in how your money is performing for you.


Please read our Form ADV Brochure Below



Life Insurance Needs and Analysis

How much insurance should you carry? That’s a valid question, as you don’t want to get caught underinsured in the event of a tragedy, but neither should you overpay on premiums you don’t really need.

Have us evaluate your current coverage to better understand if you’re overpaying or underinsured. We’ll clarify the differences between whole life, term life, universal life and variable life plans, and help you rest easy, knowing that your loved ones will be taken care of.

Disability Income Protection

It happens every day: An accident or prolonged illness prevents a hard working American from earning their income. How can you ensure your expenses are covered and your loved ones are protected?

Disability insurance is a responsible and affordable way of doing just that. And while some states mandate basic coverage, often it only lasts for a short period. We can review your options in plain English and help you decide which plan is most suitable.

Long Term Care Insurance

With the cost of health care continuing to rise, it’s important to recognize that more than half of all Americans will spend time in long term care situations. The costs associated with long term care can be devastating to your finances. We can discuss with you whether long term care insurance makes sense for your needs, so you’ll be protected in the event of a permanent disability or extended nursing stay.

Estate Planning

While nobody likes talking about their demise, it’s important to plan for how your investments and property go after your death, lest your loved ones be faced with hard decisions at an already difficult time. We’ll help you plan for the future so that your estate is safeguarded against unforeseen tax liabilities and your wishes are clearly defined. Not only will you feel more at ease, your loved ones will be reassured of your intentions as well.

Services – Businesses

Health Insurance

The cost of health insurance significantly impacts your company’s bottom line. But how can you attract the best talent to your company if you don’t have competitive benefits?

We’ll help you navigate your options and find a group plan that helps your employees manage the cost of their health care and mitigate the effects of a catastrophic illness or injury, while keeping an your business costs under control.

Retirement Plans

Retirement plans can be a great recruiting and retention tool for top quality talent, and can have a great influence on overall employee satisfaction. O’Bannon & Davis will not only educate you on what’s available, we will provide expert guidance to your employees.

Executive Benefit Programs

In the same way that a retirement plan helps attract and keep talented employees, executive benefit programs can be a similar asset to recruiting and retaining the very best executive talent. We’ll review your options and help you build a program that fits your needs.

Business Continuation Plans

What would happen to your business in the event of your absence due to an accident or severe illness? Business continuity planning will give you peace of mind in the knowledge that you have anticipated the possibility that a disruptive event could impact your business. It’s not just security for you, but security for your employees as well.

Group Life Insurance

Not only are group life insurance plans attractive to a prospective employee, they offer your company federal income tax deductible premiums and low, group rates. Your employees will appreciate the valuable coverage, and we can even show you plans that include a Waiver of Premium Disability Benefit rider.

Group Short Term and Long Term Disability

Short-term disability insurance protects employees with a percentage of their lost salary in the event that illness or injury prevents them from working beyond their allowable sick days. Long-term covers them in a catastrophic situation, including permanent disabilities.

So which is better for you? We’ll review your options and make the right decision for your business.