Client Resources

Insurance and annuities offered through Kenneth Williams, NJ insurance license #9613533.
Core Financial Services USA is an independent financial services firm helping individuals create retirement strategies using a variety of insurance products to custom suit their needs and objectives. All written content on this site is for information purposes only. Opinions expressed herein are solely those of Core Financial Services USA. Material presented is believed to be from reliable sources; however, we make no representations as to its accuracy or completeness. The information is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the needs of an individual’s situation. Logos and trademarks used are the property of their respective owners and no endorsement by those owners of the producer is stated or implied. Policy benefits are reduced by any outstanding loan or loan interest and/or withdrawals. Dividends, if any, are affected by policy loans and loan interest. Withdrawals above the cost basis may result in taxable ordinary income. If the policy lapses, or is surrendered, any outstanding loans considered gain in the policy may be subject to ordinary income taxes. If the policy is a Modified Endowment Contract (MEC), loans are treated like withdrawals, but as gain first, subject to ordinary income taxes. If the policy owner is under 59 ½, any taxable withdrawal may also be subject to a 10% federal tax penalty.

Million Dollar Round Table (“MDRT”) is a membership organization. Qualifying criteria for membership include attaining specified levels of commissions earned, premium paid or income earned on the sale of insurance, and other financial products. The MDRT membership requires the payment of annual dues, compliance with ethical standards, and to be in good standing with an MDRT-approved Professional Association. No endorsement of Kenneth Williams or Core Financial Services is stated or implied.