Client Testimonials

  • "I am writing about the Workshop for Retirement Life planning, and I wish to express my very positive opinion with results. Although, my wife and I had accomplished some of the important steps in our life plan, there were some details that needed to be cleaned up. The Workshop clarified those steps, and we have corrected them. Specifically, we had established long-term care, Living Wills, medical and financial Powers of Attorney, Wills, Revocable Trusts, and gravesite with stone, but had not discussed protecting our investments and allowing for comfortable cash flow for the rest of our lives without using up our principal. Learning ways to pass on tax-free money to our beneficiaries with additional life insurance was enlightening. With all these major steps in place, we are avoiding errors made in confusion of the moment, and eliminating poor decisions resulting from difficult situations. We thought all steps were in place when we saw the Workshop advertisement in the local paper, but thought perhaps a review would be a good benefit. That was an understatement after listening to the speakers present all the facets of life planning. All the speakers were experts in their field, and they got our attention. There was never a feeling of being pressured by highly charged salesmen and a bunch of Rah-Rah, simply the fact that certain arrangements needed to be taken care of. This was self-motivation. Our subsequent involvement led to more benefits in education towards decision-making. Due to the depressed economy at the time, which was the worst since the Great Depression of the 1930's, our life savings were not earning hardly any interest; therefore, restricting our spendable income. In addition, the Social Security Administration, at the order of the President, had suspended the usual cost-of-living increase. Consumer prices have the strange habit of increasing during a recession, so ability to maintain the standard of living one is accustomed to becomes more difficult. Our situation was somewhat relieved with the recommendation for an Annuity. The Annuity was of a special type that outperformed the available Money Market, and CD rates available at the time. Another benefit, was that I was nearing the age of 70 1/2 when I had to start taking my RMD’s. This was taken care of in the form of additional monthly income. All of the above taken together has resulted in our complete satisfaction with the services offered by the Advisory Team. We would highly recommend anyone to attend this Seminar for their excellent recommendations. Last, but not least, take the necessary actions for your own peace of mind, and go have fun the rest of your life." - David and Jan Sims - Randolph, Maine
  • "We were very pleased with the work Kevin Frisbie did for us, knowing we needed financial advice but did not know who we could trust or believe in, we attended a workshop and from there, decided to have a meeting with Kevin in our home. Kevin took the time to review our current contracts and policies, and later advised us of changes we could make to save money every month. We followed the advise Kevin gave us and that has made a big difference in our disposable monthly income. Kevin also showed us how we could invest some of our portfolio and have a more competitive return on our money that was in our 401k's and CD's, which were either volatile or not giving us a competitive rate of return. We checked out the insurance carriers and Kevin's own credentials before we moved forward, and all checked out A+. We are very glad we made the change and also added a good friend in our lives." - Mr. and Mrs. Boucher- Lisbon, Maine
  • "I attended an Asset Protection Workshop in Madison Maine and following that meeting, Kevin Frisbie came to my home and we discussed my situationand my concerns. Kevin was very helpful and understanding." - Louis A. Nichols - Winslow, Maine
  • "In the Spring of 2009 we attended a seminar on retirement plans at the York Library in York, Maine. As retired teachers we had limited savings invested in mutual funds which, due to the economic downturn, were losing value in recent years. At the seminar, we met Jac Arbour, a partner of Combined Benefits United inc, who explained an alternative program. Jac met with us in our home and it was clear that he was professional but not pushy in his approach. He immediately impressed us with his knowlege and ability to translate technical financial business into terms we could understand. He was very patient answering our questions and concerns regarding a new fixed index annuity. He was most helpful with transferring funds, calling investment companies directly with our permission, and giving us advice on how to expedite these transfers when things got delayed by these companies' resisting the loss of our business. Our relationship with Jac did not end once the transfers were completed. He continues to remain in contact in case we have further need of his services. We know he is just a phone call away. We feel that the decision to enlist the assistance of CBU was a sound one and we recommend them highly." - Robert and Katherine McGee - Wells, Maine
  • "I attended an Asset Protection Workshop conducted by Combined Benefits United Inc in Augusta Maine in March of 2009. I had been nervous for quite sometime, as the value of my life savings had continued to drop as I was invested in the market, and was intrigued by the invitation I had received in the mail. After attending the workshop, I met with Ray Vallee in his office, and was presented with a number of different alternatives to what I had been doing up to that point. The concept of participating in the "upside" of the market, without any of the "downside" risk, made my mind up....I wanted to do business with CBU...Today, I have peace of mind, knowing that the money I spent a lifetime saving, will always be there, along with earning a competitive rate of return. Someday I plan on receiving monthly income checks that will last the rest of my life. Working with CBU has taken away much of the worry caused by the financial uncertainty that the market brought." - Leslie Michaud - Livermore Falls, Maine