Our Products & Services

Financial Products & Services

Disability Insurance
  • Personal Disability Insurance*
  • Disability Overhead Expense
  • Disability Buy-Out Insurance
  • Reducing Term
  • Retirement Protection Plus  
  • Life Insurance
  • Term Life Insurance
  • Whole Life Insurance
  • Universal Life Insurance
  • Variable Life Insurance**
  • Survivorship Life Insurance
  • Retirement Plans
  • SEP/IRA
  • SIMPLE IRA
  • 401(K)
  • 403(b)
  • Money Purchase
  • Profit Sharing
  • Investments
  • Mutual Funds
  • Fixed & Variable Annuities
  • Tax-Deferred 529 College Savings Plans
  • Money Market Funds
  • Mutual Fund Wrap Programs
  • Individual Retirement Accounts (IRAs)
  • Employee Benefits
  • Group Medical Insurance
  • Group Dental Insurance
  • Group Life Insurance
  • Group Vision Insurance
  • Long-Term Care Insurance***
  • Group Long-Term Disability
  • Financial Services
  • Financial Needs Analysis
  • Retirement Funding Strategies
  • College Funding Strategies
  • Estate Conservation Strategies
  • Investment Advisory Services
  • Brokerage Services
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    Lawrence B. Keller is a Registered Representative and Financial Advisor of Park Avenue Securities, LLC (PAS), 7 Hanover Square, New York, NY  10004.  Securities products/services and advisory services are offered through PAS, a registered broker-dealer and investment advisor, 1-888-600-4667.  PAS is an indirect wholly owned subsidiary of The Guardian Life InsuranceCompany of America, New York, NY. Physician Financial Services is not an affiliate or subsidiary of PAS or Guardian.
    PAS is a member FINRA, SIPC.
     
    *Disability Income products and Universal Life insurance are underwritten and issued by Berkshire Life Insurance Company of America, Pittsfield, MA, a wholly owned stock subsidiary of The Guardian Life Insurance Company of America, New York, NY.
     
    **Variable Life Insurance policies are issued by The Guardian Insurance & Annuity Company, Inc. (GIAC), a Delaware Corporation, and distributed by Guardian Investor Services LLC (GIS).  GIS and GIAC are located at 7 Hanover Square, New York, NY  10004, 1-800-441-6455.  GIS and GIAC are wholly owned subsidiaries of The Guardian Life Insurance Company of America, New York, NY.
     
    ***Long-Term Care Insurance is not underwritten by Guardian.