financial representatives helping plan financial and retirement needs

Proud to Offer You Many Outstanding Financial Solutions

No matter where you live, we are available to offer assistance and answer your questions about any of our financial solutions.

Western & Southern Life: Insurance Office BALTIMORE, MD.

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Office phone numbers
Local	410-265-9540
Toll Free	866-274-0639
FAX	410-356-5020

The Western and Southern Life Insurance Company
10461 MILL RUN CIR STE 625
OWINGS MILLS, MD 21117-5544

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Financial Representatives

carl garnes

agency manager registered principal 410-645-1776

michael merritt, LUTCF

staff manager registered representative 410-645-1771

Financial Solutions

IMPORTANT DISCLOSURES

Securities offered by Registered Representatives through W&S Brokerage Services, Inc., member FINRA / SIPC. All companies are members of Western & Southern Financial Group.

Not all Agents are registered to sell securities. If you have a particular investment need and your Agent is not licensed/registered for the representation or sale of investment products, please ask to speak to an Agent who is actively registered with W&S Brokerage Services, Inc.

Some products issued by companies not affiliated with W&S Agency, Inc.

Western & Southern and its affiliates do not provide legal or tax advice. Always consult an attorney or tax advisor regarding your specific legal or tax situation.

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Western & Southern Life: Insurance Office BALTIMORE, MD.

Financial Representatives

vaughn douglas

carl garnes

noel godfrey

deandrea hill

khalil jordan

shawrn maolud

michael merritt, LUTCF

joshua mitchell

anthony pitts

robert ragsdale

linda ramsey

john watson

Financial Solutions

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