205 Storrs Rd Mansfield Center, CT 06250(860) 423-2845www.resfinancial.comCaring, Understanding, and Customized - Financial Planning For The Life You WantThrough my affiliation as an Investment Advisor Representative of United Planners Financial Services, I am not restricted to proprietary products and I am free to draw on a wide variety of options available from a full range of high-quality investments and insurance companies.Industry Experience: comprehensive financial planning, retirement planning, retirement income planning, IRAs, Roth IRAs, IRA rollovers, SEP IRAs, SIMPLE IRAs, 401(k) plans, 403(b) plans, stocks, bonds, mutual funds, exchange traded funds, third-party asset managers, real estate investment trusts, business development corporations, fixed annuities, variable annuities, indexed annuities, life insurance, disability insurance, long-term care insurance.*Philip M Maliniak is a Registered Representative offering securities through United Planners Financial Services of America. Member FINRA & SIPC. Reservoir Financial and United Planners are not affiliated.Advisory Services offered through United Planners Financial Services of America.

Philip Maliniak is a Registered Principal offering Securities and AdvisoryServices through UNITED PLANNERS FINANCIAL SERVICES Member: FINRA SIPC.Virginia Financial Planning and United Planners are independent companies / are not affiliated.

Investments in securities involve risk, including the potential loss of principal invested.This communication is intended for individuals residing in the states of CT, FL, IL, MI, NC, TX, VA. No offers may be made or accepted from any resident outside the specific states referenced. The site may contain links to articles or other information that are contained on a third party website. SagePoint FInancial, Inc. does not endorse or accept responsibility for the content, or the use, of the web site. SagePoint Financial, Inc. assumes no liability for any inaccuracies, errors or omissions in or from any data or other information provided on the pages. SagePoint Financial, Inc. is not affiliated with LinkedIn. We do not expressly or implicitly adopt or endorse any of the expressions, opinions or content posted by fans or any third-parties on this site. We do not control, serve, adopt or endorse any content that LinkedIn may publish on this site. No part of this site is intended to make a recommendation or state a testimonial for or about a security, service or product, or to provide investment, tax or any other advice. At our discretion, we may remove comments or fans for a number of reasons. We request that you keep your comments within the purposes of this site. In your comments, please avoid specific mention or discussions about investment advice or products, specific securities or investments, or trading strategies. 4669 South Blvd. Ste. 105Virginia Beach, VA 23452IMPORTANT: We do not provide customer service or enable financial transactions through this site. Should any client of the firm have questions or concerns that are specific to their account(s), please contact your financial advisor directly. You should never post personal, account or transaction information anywhere on this site. For customer inquiries, please call 757-383-8741.

September 2010 – Present (1 year 7 months) Virginia Beach, VA The Virginia Health Insurance Group is a team of professionals offering you access to all the health insurance carriers that are offered in the state of VA. We are positioned to assist you with choosing a health plan that best suits you, your family or your business and employees.The cost of insurance is the same no matter where you buy it as it is regulated by your state. I offer various health insurance solutions to individuals, families, and business owners including co-pay plans, health savings accounts, deductible first plans, and short term coverage. Individual health carriers include Aetna, Anthem, Assurant, Humana, USHealth, Unicare, and Optima. Group health carriers include Aetna, Anthem, Assurant, Cigna, Humana, United Health Care, CareFirst, and Optima.

I help busy and successful professionals grow, manage and preserve their wealth. My clients receive prudent and knowledgable financial advice in one or more of the following areas of wealth management: business, education, estate, investment, retirement and tax planning, debt management, income protection and insurance. While my preference is to work with small business owners, my clients range from local executives to active and retired military to people approaching retirement and those in need of drawing income from their investments. I find that all my clients share one common goal: reaching their financial goals in the most efficient manner.

I started my wealth management practice with Ameriprise Financial. During my tenure with Ameriprise I provided financial advice to over 175 families.