Dime Financial Services, a service of Essex National Securities, Inc., Member NASD/SIPC & Havemeyer Investments Inc., provides a broad range of investment products to help meet all of your financial needs.

A fixed annuity is a guaranteed, interest-bearing contract issued by a life insurance company. The insurance company provides the guaranteed initial interest rate for a specific period of time. The insurance company that issues the annuity contract guarantees the monies invested in the annuity. Annuity contributions are tax-deferred until withdrawn - usually at retirement, when tax burdens are usually lower. Annuities are frequently used as estate-planning vehicles as annuity proceeds pass directly to your named beneficiary without going through the probate process. The beneficiary of an annuity is not afforded the step up basis and redemptions by the beneficiary are subject to federal income tax rates. Early withdrawals may result in surrender charges; withdrawals prior to age 59 ½ may be subject to IRS penalties.

For information, please stop by any branch office.

Products offered through Dime Financial Services include:

• Fixed Annuities 
• Variable Annuities
• Mutual Funds