Since 1972, Randy Melquist has been helping business and individual clients make sound financial decisions, advising them in the selection and implementation of solid insurance and financial strategies. Protecting your future and the future of those you care about is Randy's commitment.
Randy has shared his training and education with others in the financial services industry, serving as an instructor, author and speaker. In addition, he was a member of the Supervisory Committee of Rainier Pacific, a Community Credit Union.
Randy is past president of the Tacoma-SW Washington chapter of the Society of Financial Services Professionals. He is also active in the Tacoma-Pierce County Association of Insurance and Financial Advisors and is the president of the Tacoma Estate Planning Council.
Active in the community, Randy is a member of the Rotary Club of Tacoma #8. He served as president of the Tacoma Jaycees and as the Washington State Jaycees Vice President for Community Development. He has been the president of the Tacoma Sunrisers Toastmaster Club, a Cubmaster and sports coach. Prior to his insurance experience, Randy was a school principal in London, England, and a Peace Corps volunteer in Libya, North Africa. Randy graduated with Honors from the University of Puget Sound.
For a short time Randy helped new Americans and foreign students by teaching English As A Second Language at Tacoma Community College. He speaks Spanish, Arabic, and German.
Randy is an agent of The Johnson Agency which offers a broad range of life insurance and financial services tailored to the needs and goals of families and businesses. The Johnson Agency is an agency of Massachusetts Mutual Life Insurance Company (MassMutual), one of the nation's premier mutual life insurance companies. MassMutual serves more than two million individual and group policyholders and participants and operates the company for their benefit.
If you live in Tacoma, Pierce County or anywhere in Washington State, contact Randy about your life insurance needs. We never know what the future will bring, but we can help by planning for it. Randy can help you and your family plan for protection and for the future.
Randy can offer clients the following:
- Life Insurance & Annuities
- Group Health Insurance**
- Disability Income Insurance
- Mutual Funds*
- Variable Life & Variable Annuities*
- Long Term Care Insurance
* Registered representative of and securities offered through MML Investors Services, Inc., member of SIPC, Joel Johnson, General Agent, 701 Pike Street #2200, Seattle, WA 98101
** Not offered through MassMutual
"MassMutual has received excellent ratings from all four leading rating services" as of 12/19/04
FINANCIAL STRENGTH RATINGS
A.M. Best Co., A++ (Superior)
MOODY'S INVESTOR SERVICES INC., Aa1 (Excellent)
STANDARD AND POORS CORP., AAA (Extremely Strong)
CLAIMS PAYING ABILITY:
DUFF & PHELPS, INC., AAA (Highest)
I am licensed to sell insurance in the following states: Washington, Oregon and Idaho.
I am licensed to sell securities in the following state: Washington.
I cannot communicate with, nor respond to requests from, users who reside in states where I am not licensed to conduct insurance and/or securities business.
EXECUTIVE AND EMPLOYEE BENEFITS
Executive and employee benefits represent a substantial percentage of the total compensation provided by a company. With costs continuing to escalate, reviewing these plans on a regular basis can save your organization money.
Some of the executive benefits available are:
- Non-Qualified Deferred Compensation Programs
- Split Dollar Insurance Programs
- Section "162" Bonus Plan
- Group Life Carve Out
Some of the benefits we address are:
- Group Life and Health Insurance
- Salary Continuation Programs
- Qualified Retirement Plans
- 401(k) Programs
- Profit Sharing Plans
- Pension Plans
Owners spend years of hard work and perseverance building a successful business. Planning that goes into the formula for success often fails to provide contingency options to maintain the business long into the future. The current owners need to prepare for the succession of their operation in the event of retirement, death or disabiltiy.
Some of the approaches we use in assisting business owners in these areas are:
- Buy-Sell Agreement Funding
- Cross Purchase
- Stock Redemption
- Key Person Insurance
- Business Overhead Expense Plans
Following our initial meeting, you and your family will receive a personalized financial resource analysis, which will:
- Review your current insurance planning to achieve sufficient capital in the event of premature death or disability.
- Help you plan to achieve sufficient income during your retirement years.
- Help you plan for your children's education funding.
- Help maximize your investments relative to your risk, return and time horizons.
- Help preserve the capital in your estate at your death.
Poor planning and improper management can greatly decrease the value of your estate. Without a programmed approach to estate conservation and distribution, heirs often are left confused and inconvenienced.
Developing a sound plan involves:
- Conducting a thorough inventory of your assets
- Gathering data to determine your estate objectives
- Developing a "Hypothetical Probate" to illustrate the tax ramifications at your death
- Recommending solutions to achieve your desires in conjunction with your other professional advisors
Life Insurance & Annuities | Personal Insurance | Estate Analysis | Financial Resource Analysis
Randy Melquist, CLU, LUTCF
4654 North Bristol, Tacoma, Washington 98407
253-759-6922
253-759-4284 fax
rlmelquist@finsvcs.com
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