Financial Advisors Focused on Your Unique Dreams


“Your Financial Well Being Is Our Only Concern”

Finding a financial consultant who you can trust can sometimes be difficult. Of course, you will want someone who is experienced and knowledgeable, that’s a given. You will also likely want someone who will take the time to really understand what’s important to you, be readily accessible and available when you need them.

At Kline’s Investment Services, we can help you organize your finances so you’re better prepared for retirement. The most satisfying part of our business is helping people enjoy retirement as a result of thoughtful and timely preparation.

We strongly believe in looking at our clients total financial picture. We carefully review all investments including Life Insurance, Annuities, Mutual Funds, Stocks, Long Term Care Insurance, Trusts and Estate Plans. Then after our review, we customize a unique financial plan for each individual.

At Kline’s Investment Services, we exist to make a deep and meaningful impact in your life. We want to build a relationship where every action is focused on helping you discover and live the life of your dreams.

Take Advantage of Our Free Individual Planning Session.

Call 330.673.2988 to meet with a qualified financial advisor.

Guaranteed income stream – The guaranteed income stream investment vehicle that overlays the six allocation segments (when suitable and used in the NextPhase™ plan) is a Variable Annuity with a Guaranteed Minimum Withdrawal Benefit.

Segment 1

  • Bond ladders
  • Cash
  • CD ladders
  • Single Premium Immediate Annuity
Segment 2

  • Bond ladders
  • Fixed Annuity Products
  • Managed Portfolios
  • Principle Protected Structured CD Products
Segment 3

  • Equity Indexed Annuities
  • Managed Portfolios
  • Mutual Fund Portfolios
  • Real Estate Products
  • Variable Annuities
Segment 4

  • Managed Portfolios
  • Mutual Fund Portfolios
  • Variable Annuities
Segment 5

  • Managed Portfolios
  • Mutual Fund Portfolios
  • Variable Annuities
Segment 6

  • Managed Portfolios
  • Mutual Fund Portfolios
  • Variable Annuities

Investments in model strategies have additional management fees and expose the investor to the risks inherent within the model and the specific risks f the underlying funds directly proportionate to their fund allocation.

All investments involve the risk of potential investment losses. Investment returns, particularly over shorter time periods are highly dependent on trends in the various investment markets. The investor may receive less than the original invested amount and is advised to consider the investment objective and risks before investing.

Asset allocation does not guarantee a profit or protection from losses in a declining market.

*Guaranteed monthly income is based on current values as well as the terms and conditions of the annuity contract or optional rider. These advantages may have additional fees and can only be fully realized if you follow the benefit’s rules and hold annuity through surrender period. Guarantees and principal based on the claims paying ability of the issuing company.

Annuities are long term investments designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax, and, if taken prior to age 591/2, a 10% federal tax penalty may apply. Early withdrawals may be subject to withdrawal charges. The purchase of a variable annuity is not required for, and is not a term of, the provision of any financial service or activity.

Single Premium Immediate Annuity contracts cannot be surrendered once annuitized.

Purchase of an annuity contract through a qualified plan does not provide any additional tax-deferral benefits beyond those already provided through the plan. If you are purchasing an annuity contract through a plan, you should consider purchasing it for its death benefit, annuity options and other non-tax-related benefits.

Investments in real estate or REITs may not be suitable for all investors and is subject to significant risks. These risks may include limited operating history, reliance on the investment advisor, potential conflicts of interest, payment of substantial fees to the investment advisor and its affiliates, potential illiquidity and liquidation at less than the original amount invested.

Mutual Funds and Variable Annuities are investments involving risk and are offered by prospectus only. Before investing, investors should carefully consider the investment objectives, risk, charges and expenses of the investment and its underlying investment options. The prospectuses contain this and other important information. Please contact your representative or the investment company to obtain the prospectuses. Please read the prospectuses carefully before investing or sending money.

Investments in mutual funds are not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Although money market funds seek to preserve their value at $1.00 per share, it is possible to lose money by investing in money market funds.

Investments in fixed income products are subject to market risk, credit risk and special tax liabilities.

Purchasing CDs involves a number of risks. It is suggested that prospective depositors reach a purchase decision only after careful consideration with their financial, legal, accounting, tax and other advisors regarding the suitability of the CDs in light of their particular circumstances.

You must evaluate whether a bond ladder and the securities held within it are consistent with your investment objectives, risk tolerance, and financial circumstances. If you decide to include callable bonds in your ladder, these bonds may be called prior to maturity. If a bond is called, your investment payments cease and the principal is returned as of the call date. If you seek to reinvest the principal in a similar bond issue, you will likely have to accept a lower yield (and lower interest payments) consistent with prevailing interest rates.

Any fixed income security sold prior to maturity may be subject to a substantial and taxable gain or loss.

Structured products typically pay an interest or coupon rate above the prevailing market rates and limit upside participation in the referenced asset if principal protection is offered or if the security pays an above-market interest rate. Risks may include loss of principal and the possibility that at expiration the investor will own the referenced asset at the depressed price. Other factors that may affect the investment value of the structured product include: interest rates, volatility of the underlying asset, liquidity and time remaining until maturity. Structured investments are generally backed by the issuing firm which may or may not maintain a secondary market.

Investments are not FDIC or NCUA insured, not Bank or Credit Union Guaranteed and May Lose Value.

Guarantees including optional benefits may have an extra fee and are subject to exclusions, limitations, reductions of benefits and terms for keeping them in force. Your licensed financial professional can provide you with complete details. The benefit payment obligations arising under the annuity contract guarantees, rider guarantees, or optional benefits and any fixed account crediting rates or annuity payout rates are backed by the claims-paying ability of the issuing insurance company. Those payments and the responsibility to make them are not the obligations of the third party broker/dealer from which the annuity is purchased or any of its affiliates.

Securities America and its representatives do not provide tax or legal advice; therefore it is important to coordinate with your tax or legal advisor regarding your specific situation.

Kline’s Investment Services is securities licensed in the following states: AZ, FL, KY, MD, MI, NC, NY, OH and SC. We are insurance and RIA licensed in: FL, KY, MD, NC, NY and OH.