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Educators Annuity & Retirement Services, Inc. (EARS) was established in March of 1986. The letters EARS forms an acrostic for "Educate And Reach Success". We believe our ideal client is an educated client. We are an independent wealth creation and management firm representing multiple A, A+ rated insurance companies.

We offer high quality insurance and financial products and services to the individual and business marketplace.

We offer Safe Money Investing With Predictable Outcome! What We Do~We specialize in Income Planning strategies utilizing current tax laws and tax favored investments that capture market growth with absolutely no risk of losses to principal or gains, Guaranteed! This insures that our clients will never lose money to volitile markets thereby decreasing or eliminating the possibility of running out of money during retirement. In short, we show our clients how to make money, protect their money, program their money, and finally, preserve their money. It is our commitment and desire to establish trust and a long lasting relationship with our clien