Vernon Williams
To our Individual clients, we offer peace-of-mind. Our mission is to grow our clients' net worth as we protect all their assets.
We have carefully chosen the companies, affiliations and networks that serve our clients best.
Whether it's setting up a qualified retirement account (IRA, 401K, etc.) or it's managing their hard-earned nest egg (mutual funds, annuities, life insurance, etc.), to design each customized portfolio, we use a combination of:
Powerful, industry-leading s/w tools,
Our extensive experience and continuing education
Our relationships with some of the country's highest profile investment houses
Give your insurance needs the personal touch it deserves.
Personal Insurance
Our goal is to protect you and your family from those unexpected events by finding the right coverage at an affordable rate. If you need Auto, Home, Umbrella or any other personal insurance coverage, we can tailor a package to fit your individual personal insurance needs.
Business Insurance Services
Unlike personal insurance, Business Insurance is not a one-size-fits-all proposition. Each policy must be tailored to fit the business’s needs, circumstances and situation. It goes without saying that if you operate a restaurant, using open-flame cooking, having different shifts and a mix of part-time and full-time employees and you open late into the evening, your policy will look drastically different from that of your neighbor, the lawyer. Each runs a business, but the risks are totally different and so will the policies.
Retirement
We are living longer and having the need for a stable retirement plan is becoming increasingly necessary in today's society. This longevity is putting a greater demand on having more retirement assets. At Brighton Financial And Insurance Services, we can help you navigate through all the information and calculators to determine your best path of action when developing or adding to an existing retirement plan or portfolio.
Frequently Asked Questions
How can I lower my premium?
If you want to lower your monthly premium, or buy more coverage for less money, one way is to carry a higher deductible. A higher deductible also may make sense if you believe that your chances of making a claim are remote enough to warrant assuming extra financial risk.
What damage to my house would not be covered by my homeowner's policy?
It depends on the type of policy you own. But in general, unless you buy additional coverage, you won't be compensated for losses due to floods, earthquakes, nuclear accidents, wars, intentional damage, and normal wear and tear. Other exclusions may also apply.
Why should I buy homeowner's insurance?
A home can require a tremendous investment of money, time, and energy. Homeowners insurance is designed to protect that investment by insuring the actual structure or structures and the personal possessions in and around them, as well as providing liability protection for the residents. Through homeowner's insurance, you can protect yourself and your family from enormous loss in the event of damage or destruction to your home and property. Most likely, if you have a mortgage on your home, you are required to carry homeowner's insurance.
What can I do about expensive possessions, like jewelry and camera equipment, that are far more valuable than the coverage limits of my homeowner's policy?
You can purchase additional coverage, through an endorsement to your existing policy or with a separate policy, to extend the limits of coverage for specific items.
Testimonials
Get Barbara's experience.
Barbara has the experience and insight to make sure you can find the perfect home.