Todd A. Hammer, is a Financial Professional at hammer Financial, responsible for working with both individual and corporate clients of the firm since 1988.

Hammer Financial Strategies

Individual Family Estate Planning Strategies

Multi-Generational Wealth Transfer –When G-1 is too old or young but sick, to qualify, yet has a $30M+ estate and substantial need for tax planning strategies

Family Trust Revitalization- where existing trust is being diluted by too many beneficiaries

Business Buy-Sell, Key man and Informal Supplemental income for small Groups of 5-200

Charitable Planned Giving- Creates Endowments and tax-free income Stream to Charity for decades- for individual endowment and Donor Groups

Strategies to generate supplemental tax-free retirement income

Permanent life insurance coverage

Loan Regime Split Dollar

Return of Premium Life Insurance

Life insurance planning strategies with built in coverage for Critical Illness, critical Injury and chronic (LTC) Illness.

Annuities that can provide guaranteed retirement income for life*

Credit Shelter trust with life insurance to mitigate State estate taxes

   Offering Financial Services




since 1988

Mission Statements







Office:    (203)-984-4404

597 Westport Avenue

Suite B528

Norwalk, CT 06851

CA insurance License # 0825864

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Todd Hammer offers insurance and securities products and services as a Registered Representative of Pruco Securities, LLC (Pruco).  Hammer Financial is not affiliated with Pruco. Other products and services may be offered through a non-Prudential entity. 1-800-778-2255. 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


Licenses and State Registrations:

Securities:  CT, NY, FL

Life Insurance: CT, NY, FL, CA

Variable Life Insurance: CT, NY, FL

Mutual Funds: CT, NY, FL

Variable Annuities: CT, NY, FL

* All life insurance and annuity guarantees are subject to the claims paying ability of the issuing insurance company.