Fred T. Badyna, CLU, ChFC

Fred T. Badyna, CLU, ChFC offers a full range of investment and insurance programs. Before receiving his Chartered Life Underwriter designation and his Chartered Financial Consultant designation, Fred worked toward a business Management Degree from Toledo University.

For almost 40 years, Fred has provided creative financial services through insurance, investments, employee benefits, annuities, retirement plans and estate planning. His colleagues in the insurance industry have recognized his performance by awarding him many coveted honors.

As a caring and giving person, Fred devotes his time and energy to numerous charity, civic, and professional organizations which are listed below. As a part-time DJ, Fred gives a spirit of fun and enjoyment to theses organizations. He is married to Mercedes and spends whatever time he has free with her, on the golf course and/or entertaining. These are the passions they share.

Fred offering a full range of investment and insurance programs which include:

Personal Planning

• • Financial Planning
  • Mutual Funds
  • Life Insurance Planning
  • Disability Insurance Planning
  • IRA’s
  • Rish Management/li>

Business Planning

• Retirement Planning
• Buy Sell Agreement
• Executive Bonus Plans
• Group Benefit Plans
• Voluntary Benefit Plans
• 401(k) Profit Sharing Plan
• Employee Benefit Programs

Fred earned the following Licenses and Certifications

• Investment Advisor Representative of Hornor, Townsend and Kent, Inc.
• General Line — Life, Accident & Health
• Series 6 & 63
• Chartered Life Underwriter (CLU®)
• Chartered Financial Consultant (ChFC®)