Ray Kitt

Financial Services Representative

New England Agency
1 Hampton Road, Building B, Suite 307
Exeter, NH 03833

Phone: (603)778-4400 ext. 4431
Fax: (603)775-7209
E-mail: rkitt@metlife.com

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My mission statement:
To be a lifetime resource for my clients and their families, who trust me to help them pave a road to financial success.

Code of ethics:
I am committed to delivering outstanding professional service to my clients and always acting with honesty and integrity.

As a financial professional, I have a responsibility to always act in the best interest of my clients. 

I am committed to:
• Complete confidentiality of information
• Continuously enhancing my knowledge and skills through professional training and ongoing education
• Presenting accurately and fully to my clients all information essential to making informed decisions
• Recommending only those products that are suitable to my clients needs
• Loyalty and integrity in all relationships

My main focus is to create a strategy that fulfills all my clients’ financial goals & dreams.  Honesty and the full disclosure of details related to your matters are guaranteed.
• Licensed to sell Life & Health Insurance in NH, ME and MA• Registered to offer securities products in NH
Products & Services Provided

Retirement Funding Options
• Individual Retirement Accounts (IRAs) – Traditional/Roth
• IRA rollover
• 401(k)
• 401(k) rollover
• Deferred and immediate Annuities
• Fixed and Variable Interest Options

Benefit Plans
• Disability Income Insurance
• Split Dollar Bonus Plans
• Long-Term Care – Multi Life Discount Program

Investments
• Mutual Funds
• Annuities
• 529 Plans

Objectives:
• Help analyzing and managing financial risk
• Maximize benefit program
• Help minimize taxes

My Procedure:
• Collect and analyze all relevant data
• Assess present needs and future goals through a Financial Needs Analysis
• Design and propose strategies
• Suggest appropriate products  for implementing desired changes
• Establish a strategy for regular evaluation

Earning your trust and confidence is my primary objective.  Please accept my invitation to work closely with you in developing a strategy for your financial future.

Client Educational Benefits
• Investment Seminars
• Pre-Retirement Seminars

Personal Insurance
• Life Insurance
• Mortgage Protection (through life insurance and disability income insurance)
• Long-Term Care Insurance
• Disability Income Insurance

Family and Business Estate Conversation Strategies*
• Estate Analysis
• Charitable Giving
• College Funding Strategies

*I will work with you and your tax and legal advisors to help you select the most appropriate product solutions to suit your specific needs and circumstances.
*Some health insurance products offered by unaffiliated insurers through the Enterprise General Insurance Agency, Inc. (EGA), 300 Davidson Avenue, Somerset NJ 08873.
 
Metropolitan Life Insurance Company (MetLife), New York, NY 10166. Securities products and investment advisory services offered by MetLife Securities, Inc. (MSI)(member FINRA/SIPC) and a registered investment adviser, New York, NY 10166. MetLife, EGA, and MSI are affiliates.