"There are many opportunities in today's investment market and I'd like to invite you to come in and talk with me about your personal investments and your investment goals. I look forward to meeting you sometime soon." – Fred Harder, Registered Representative* of ESB Insurance & Financial Services

Our firm specializes in helping individuals develop sound retirement strategies. If you are retired – or approaching retirement – please take the time to explore our website and the wealth of information we offer. We offer personalized, hands-on service. We educate our clients about financial concepts and products, and take the mystery out of investing, insurance, estate conservation, and preserving wealth.

We understand the many challenges of retirement today and know the biggest concern for many is outliving their money. We focus on money management, as well as other issues that are critical to your financial well being.