Todd Hammer offers insurance and securities products and services as a Registered Representative of Calton & Associates, Inc. member of FINRA and SIPC.  Hammer Financial is not affiliated with Calton & Associates, Inc. Other products and services may be offered through a non-Calton & Associates, Inc. entity.  Hammer Financial and its representatives do not render tax or legal advice. Please consult with your own advisors regarding your particular situation.

Availability of Disability Income and Long Term Care Insurance varies by carrier and State