ES&L Financial Services

Offering you a wealth of investment alternatives with the service of a small-town community bank.
Since 1987, our financial services subsidiary has offered our customers and the general public non-insured investment options such as�

Life & Health Insurance
Plan today to help protect your family's future. Employer-provided plans often aren't enough to protect the well-being of your family. We'll help develop an insurance proposal that meets your needs today, while working on your behalf to provide a secure tomorrow.

Stocks, Bonds & Mutual Funds
Diversify!!! Whether you're a novice or a seasoned investor, if you're planning to add these types of securities to your portfolio - we can help.

Tax Deferred Annuities
Because your earnings aren't subject to taxes until you begin withdrawals, tax deferred annuities are an excellent way to maximize the future value of your investment.

College Savings Plans
Take advantage of the tax benefit of saving today to help alleviate the cost of your children�s or grandchildren's education. ES&L Financial Services can show you a multitude of ways.

401k Plan Rollovers
Don't leave your money behind. Let us coordinate the rollover of your 401k plan from your former place of employment. We can help incorporate any of our wide array of investment alternatives into your self-directed retirement account.

Call our Investment Advisor, Anne M. Hourihan-Bennett (607.733.5533), to set up a no-commitment appointment to discuss your financial needs.

Investments with Financial Services are not FDIC insured, not guaranteed by Elmira Savings & Loan, F.A., and may lose value.