Phil Spalding

My responsibilities include working with motivated people who realize that planning for the future is far too serious to handle on their own. I begin by gathering information, addressing areas of concern, educating the client and finally making recommendations based on their needs and desires. This is accomplished with the ultimate goal of helping the client accumulate, protect and preserve their net worth. Licensed in Tennessee, Kentucky, Georgia and Texas, I am committed to helping individuals, families and business owners define their financial goals and take suitable steps towards achieving them. Some of the products I am licensed to provide are: - Life Insurance - Disability Insurance - Critical Illness Insurance - Health Insurance - Medicare Supplement Insurance - Long-Term Care Insurance - Employee Benefit Plans - Fixed Annuities