Symphony Financial Services
Rick Willoughby, AWMA®, AAMS®
Brice Willoughby Registered Rep
Mission Statement
It is our professional mission to position our clients where they are most likely to achieve financial success.  When they are concerned to educate them on their options and the pros and cons of each.  When clients are inclined to make emotional decisions act as an advisor not an agreer, to identify, implement and promote the appropriate course of action.  Continuous education on the broadest possible range of investment and insurance products and how to properly apply them to solve real-life situations.  We will forever maintain our independence from any and all financial product providers and be beholding to none except our client. The client will continue to be the center of our attention and will always come first over all else.
  • Saving or Investing: Is There a Difference?
    Financially speaking, the terms "saving" and "investing" are often used interchangeably. But the concepts behind these terms actually have some important differences.
  • Investor, Know Thyself: How Your Biases Can Affect Investment Decisions
    Traditional economic models are based on a simple premise: people make rational financial decisions that are designed to maximize their economic
  • Open Enrollment Season Is Here: Give Your Benefits a Check Up
    Open enrollment season is your annual opportunity to review your employer-provided benefit options and make elections for the upcoming plan year.
  • Do I have to pay an additional tax on investment income?
    You might, depending on a few important factors.
  • How can I manage the net investment income tax?
    If you are subject to the 3.8% net investment income tax, there are strategies that may help you manage that tax. The tax is applied to the lesser of your net
Tell A Friend Tell A Friend
Connect with us on: Go to YouTube Channel  
 Rick Willoughby is a Registered Principal, Brice Willoughby is a Registered Representative both offering securities through Independent Financial Group, LLC, a registered broker-dealer. Rick Willoughby offers advisory services through Independent Financial Group, LLC, a registered broker-dealer and investment advisor. Member FINRA and SIPC. Independent Financial Group, LLC and Symphony Financial Services, LLC are not affiliated. 15022 S 40th Pl Phoenix, AZ 85044  This material was created by Forefield to provide basic information on the subjects covered. The services of a tax, legal or financial professional should be sought regarding your individual situation and what investments are appropriate for you. For tax information go to .

This communication is strictly intended for individuals residing in the state(s) of AZ, CA, FL, GA, IL, NV, NJ, NY, NC, OR, SD, TX and WA. No offers may be made or accepted from any resident outside the specific states referenced.