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    Richard "Rich" Carmel

    LUTCF®


    Check the background of this investment professional on FINRA's BrokerCheck

    About Rich

    BUSINESS PHILOSOPHY
     
    My goal is to provide families and business owners with assistance in building their financial freedom. I have the skills, knowledge and experience required to help meet my client’s established goals. My personal goal is to become a lifetime resource for each and every client.

    PRODUCTS AND SERVICES

    • Fixed Annuities
    • Variable Annuities
    • Charitable Giving Strategies
    • Disability Income Insurance
    • Estate Conservation Strategies
    • Education Funding Strategies
    • IRA Consolidation/Rollovers
    • Long-Term Care Insurance
    • Mortgage Protection (through life insurance and disability income insurance)
    • Medicare Supplement Coverage
    • Pension Payout Alternatives
    • Pension Transfer/Rollovers
    • Mutual Funds
    • Tax Sheltered Annuities, 403(b) Plans
    • Term Insurance
    • Universal Life Insurance
    • Variable Universal Life Insurance
    • Whole Life Insurance   
    •   

    QUALIFICATIONS

    • Licensed to sell Life & Health Insurance in OH
    • Registered to offer securities products in OH, KY
    • Member of Million Dollar Round Table, 2012

    PERSONAL

    • 8 year resident of Liberty Township
    • Family-Spouse: Nicole, Daughters: Paige and Ava
    • Hobbies: Golf and Travel
    • Graduate of The College of Wooster

    ORGANIZATIONS

    • Member of St. Maximillian Kolbe Parish
    • Team Leader of The Business Network

    Area(s) of Focus

    • Insurance Strategies
    • Investment Strategies

    Offices operating under an alternative marketing name may offer products, services, or guidance outside of their relationship with MassMutual, MML Investors Services, MSI Financial Services, Inc., or their affiliated companies. Any such offices are not subsidiaries or affiliates of MassMutual or its affiliated companies.

    Richard (Rich) Carmel LUTCF® is a registered representative of and offers securities and investment advisory services through MSI Financial Services, Inc., Member SIPC, 5600 Blazer Parkway, Suite 100, Dublin, OH 43017, Tel: (614) 792-1463

    MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. Local sales agencies are not subsidiaries of MassMutual or its affiliated companies. Agency officers are not officers of MassMutual.


    I am licensed to sell Insurance Products in the following jurisdictions:
    Kentucky, Ohio

    I am licensed to sell Securities Products in the following jurisdictions:
    Ohio

    Richard (Rich) Carmel LUTCF®, West Chester, OH

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    for Your Future.

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