Investment Advisory Services offered through Claraphi Advisory Network, LLC

Life, Health, and Annuity licensed in FL, AL, MS, GA, SC, NC, and MD

Medicare Rx / Doctor Form

References made, and discussions of various investment solutions or offerings are for informational purposes only. Such investments may not be suitable or appropriate for all investors. Individual investment strategies and solutions will be based on individual discussions with your advisory representative.

 

Financial and Insurance Services maintains a principal place of business in the State of Florida. Advisors for Financial and Insurance Services may transact business only in States in which they are registered, or in which they are excluded or exempted from registration. The Advisors for Financial and Insurance Services must also be registered or exempted or excluded from registration in any state in which they follow up on individualized responses to persons in that State that involve either the effecting or the attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation.

 

Important Disclosures

The information in this website is based on data gathered from what we believe to be reliable sources. Information throughout this site, whether stock quotes or any other statement or statements regarding market or other financial information is not guaranteed for timeliness or accuracy and is not intended as the primary basis for investment decisions. It should also not be construed as advice meeting the particular investment needs of any investor. The identification of specific securities and model portfolios is made on the assumption that the investor would participate in the investment or portfolio on a long-term basis and only after consulting with their investment advisory representative to determine their individual needs, financial position, and tolerance for risk among other things. With respect to any such identification, there can be no assurance that fund or model portfolio will in fact perform in the manner suggested. All references that might be made to an investment or portfolio’s performance are based on historical data and one should not assume that this performance will continue in the future. Past performance is not indicative of future results. In some cases, our recommendations may include commission based insurance products. Such products will only be offered through an appropriately registered insurance broker. Claraphi Advisory Network does not offer insurance products.

 

Newsletter/Article Disclaimer

Our website may contain previous newsletters or articles where specific information may be dated and may no longer reflect the views, opinions and recommendations of Financial & Insurance Services. No client or prospective client should assume that any such discussion serves as a substitute for, or in place of, personalized advice from Financial & Insurance Services.

 

Video Disclosure

Any videos provided by Financial & Insurance Services  are for informational purposes only. Investing involves the risk of loss and investors should be prepared to bear potential losses. No portion of videos presented is to be construed as a solicitation to buy or sell a security or the provision of personalized investment, tax or legal advice. Certain information contained in this presentation is derived from sources that Financial & Insurance Services believes to be reliable; however, the Firm does not guarantee the accuracy or timeliness of such information and assumes no liability for any resulting damages.

 

Links to Other Websites

This site may provide links to other websites and resources. Financial & Insurance Services  has no control over such websites and resources, is not responsible for their availability and does not endorse and is not responsible or liable for any content, advertising, products and other materials on or available from them. Financial & Insurance Services shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused with use of such sites or resources. Your use of such sites or resources shall be subject to the terms and conditions set forth by them. All such information is provided solely for convenience and information purposes.

Our Staff

William D. Burns -  "Bill"

Investment Advisor Representative / Financial Planner / Insurance Agent

Bill has been helping seniors, retirees and soon-to-be retirees create, implement and enjoy their financial plans for the past 30 years.  Over the course of his career he has had the honor of working with three different generations of some of our clients’ families: from the grandparents, to their children, to the children’s children. 

Bill earned a Bachelor's of Science in 1977 and a Master's of Science in Administration in 1978, both from Troy University, while simultaneously serving a six year tour in the United States Air Force.  Bill is a licensed insurance agent and a Series 66 Investment Advisor Representative.  

Bill has lived on the Emerald Coast for the past 40+ years during which time he has served several local civic organizations including officer positions in the Northwest Florida Planned Giving Council and the Florida Association of Life Underwriters, past Secretary and past President of the Boy’s and Girl’s Club of Okaloosa County, past Vice-President of Region 1 Jaycees, and a member of the All-Sports Association of Northwest Florida.  Bill has also been a member of the Fort Walton Beach Chamber of Commerce for over 25 years.

Bill has been married to his wife, Julia, for over 20 years and together they have three beautiful and talented daughters: Virginia, McKenzie and Julianna. In his spare time, Bill enjoys working on projects in his garage, fishing and spending time with family.

Nicole F. Kieszek

Office Manager / Administrative Assistant / Insurance Agent

Nicole graduated from The University of West Florida in December 2007 with a B.A. in Interdisciplinary Humanities.  Nicole initially came to work for Financial & Insurance Services in February 2008 as an office administrative assistant.  Over the past decade she has achieved a broad understanding of insurance and investment products as well as Medicaid qualification and application processes.  Today, Nicole splits her time between serving as the administrative assistant for William D. Burns and as the office manager of Financial & Insurance Services overseeing the day-to-day operations of the company.  Nicole has a natural talent for making clients, both existing and newly met, feel comfortable and appreciated.

Nicole was born in Frankfurt, Germany while both of her parents were stationed at Haun Air Force Base, but has lived in Fort Walton Beach, FL for most of her life.  She and her husband, Wes, share their home with their three “feline children,” Lola, Molly, and Charlotte. In her spare time she enjoys quilting, spending time with family, and spoiling her cats.

Cur-Dog

Office "Security" / Therapy Dog / Lunch Moocher

Cur-Dog is the newest member of the Financial & Insurance Services team.  He splits his time between greeting everyone who walks through the front door, alternating between his ever growing collection of bones, patrolling the back courtyard for squirrels and lizards, and volunteering to eat any and all food in his line of sight.