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Photo of Sandra Cavoto
Sandra Cavoto
Contact me
Contact me
Photo of Sandra Cavoto

Farmers Financial Solutions Agent in Chicago, IL

Sandra Cavoto

About me

As a Farmers® agent in Chicago, I help families and individuals as they pursue their financial goals.
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Licenses

Sandra Cavoto
CA License #: 0K75084

States Licensed In

AZ,CA,IL,IN,MI,OH,TX,WI
Contact info
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Location info
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6118 W 63Rd St
Chicago , IL 60638
US
Office hours
Day of the WeekHours
Saturdays and Sundays by appointment

Farmers Financial Solutions agent in Chicago, IL

Are you interested in saving for retirement, making a new purchase or preparing for emergencies? My name is Sandra Cavoto, and I work with individuals and families in Chicago, IL. I want to understand your financial goals and discuss options so you can select the financial products you want, like mutual funds, annuities or IRAs that align with your goals. Give me a call at +1 773-586-4500 to discuss your plans for financial independence.

Financial goals

Retirement Planning

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Education Savings

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Wealth Management

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Emergency Planning

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Saving Options

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Life Insurance

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1. To check the background information of this firm or an investment professional. visit FINRA BrokerCheck
2. For a free tool to research our financial professionals. visit www.investor.gov/CRS
3. To view the FFS Customer Relationship Summary select: Form CRS.
4. To view additional disclosures related to FFS products select: Disclosures

Financial services options

Chicago Property Insurance

Education savings

The cost of education is going up — but you can prepare for what could be one of the largest expenditures you ever make. Don’t delay. Give me a call to learn more about ways you can save for your child’s education. • 529 College Savings Plans • Coverdell Education Savings Accounts • UGMAs/UTMAs
Chicago Retirement

Retirement plans

We can help as you plan for retirement. Let's have a discussion about your retirement objectives, and I’ll discuss options to consider as you work toward your financial goals. • Traditional & Roth IRAs • IRA & 401(k) Rollovers • Variable & Fixed Annuities
Chicago Wealth

Wealth management

As you manage the wealth you’ve built, we offer a diversified suite of products. Let’s discuss investment and other product options that may work for you. Call or visit my Chicago office to learn how. • Mutual Funds • Variable Universal Life Insurance • Universal Life Insurance • Index Universal Life Insurance

Product suite

Chicago Mutual Funds

Mutual funds

A mutual fund is an investment that allows individuals with similar financial goals to pool their money with other investors. The mutual fund's professional money managers invest that money in different types of securities that meet the objectives of the fund. Mutual funds are subject to investment risk, including the possible loss of the principal invested. Benefits: • Simplicity • Affordability • Professional management • Diversification • Liquidity
Chicago Mutual Funds

Annuities

An annuity is a contract between you and an insurance company in which the company promises to make periodic payments to you, starting immediately or at some future time. You buy an annuity either with a single payment or a series of payments called premiums. Variable Annuities: A variable annuity is a type of contract that combines guaranteed retirement income with an investment feature that typically allows you to place investments in market-based "sub-accounts," which function like mutual funds. Benefits: • Guarantees • Investment choices • Options • Tax-deferred growth Indexed Annuities: A fixed index annuity is a type of contract with a minimum guaranteed interest rate combined with an interest rate linked to a market index. Benefits: • Guarantees • Upside potential and downside risk protection Fixed Annuities: A fixed annuity is a type of contract with guarantees for both the rate of return and the retirement income payout. • Guarantees • Predictability
Chicago Mutual Funds

Variable universal life insurance

Variable Universal Life Insurance is a type of life insurance contract that combines a death benefit with an investment feature that typically allows you to invest premiums in market-based "separate accounts," which function like mutual funds. Benefits: • Flexibility • Investment choices • Tax-deferred growth

Looking for auto, home, and other insurance options?

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Securities offered through Farmers Financial Solutions, LLC, (In NY: Farmers Financial Solutions and Insurance Agency), 31051 Agoura Road, Westlake Village, IL 91361. Member FINRA & SIPC.

MUTUAL FUNDS: Purchasers should consider the objectives, risks, charges and expenses of the mutual funds before investing. Contact a Farmers Insurance and Financial Services Agent for a prospectus that contains this and other important information; read it carefully before purchasing. Past performance of any investment does not guarantee future results; investment returns will fluctuate so such shares, when redeemed, may be worth more or less than the original amount invested. ANNUITIES (all): Annuities are long-term investments designed to provide a tax-deferred savings for and during retirement. Distributions taken before age 59 ½ may be subject to an early withdrawal penalty and may also be subject to a contingent deferred sales charge. Indexed annuities are long-term investments designed to help meet retirement needs. An indexed annuity offers allocation options called index-linked strategies. Index-linked strategies offers clients some level of downside protection combined with upside potential linked to the price return (excludes dividends) of an index, such as the S&P 500. The upside potential is typically capped for each index period and these cap rates are declared in advance by the insurance company.

VARIABLE ANNUITIES: Variable annuities are subject to insurance related charges and fees. Purchasers of variable annuities should consider the objectives, risks, charges and expenses of the contract and underlying investment options before investing. Contact a Farmers Insurance and Financial Services Agent for a prospectus that contains this and other important information; read it carefully before purchasing. Past performance of any investment does not guarantee future results; investment returns will fluctuate so such shares, when redeemed, may be worth more or less than the original amount invested. Performance of variable insurance contracts will be affected by annual mortality and administrative expenses and is subject to a declining deferred surrender charge. Income payments are guaranteed by the insurance company, but subject to the company's claims paying ability. Withdrawals and/or other distributions of taxable amounts, including death benefits, may be subject to ordinary income tax and a possible 10% federal tax penalty if taken prior to age 59½. Withdrawals may reduce the value of the death benefit and any optional benefits. Please consult your tax preparer or CPA.

VARIABLE UNIVERSAL LIFE INSURANCE: Variable universal life insurance is subject to insurance related charges and fees including annual mortality, administrative expense and declining deferred surrender charges. Purchasers of variable insurance contracts should consider investment objectives, risks, charges and expenses of the contract and underlying investment options before investing. Contact a Farmers Insurance and Financial Services Agent for a prospectus that contains this and other important information; read it carefully before purchasing. Past performance of any investment does not guarantee future results; investment returns will fluctuate so that when shares are redeemed they may be worth more or less than the original amount invested. Withdrawals and surrenders are at net asset value, may affect the contract's performance and/or death benefit amount, and a taxable gain may be recognized. Please consult your tax preparer or CPA.