PLATINUM Endowment

Retirement, and Estate Planning

Expert Custom Solutions         

Quality Products Since 1960

For Immediate Attention Call

(630) 834-3794


        Combined Financial Services was formed in 1960 by Dennis O'Malley. This full service insurance broker group offered coverage including life, health, disability, home and auto. Beginning as a one man show, Combined grew to over 200 agents.


       In 1990, the Property and Casualty division was sold to The Forrest Agency in Oak Park.


Focusing solely on Life Insurance, Combined became Agency of the Year many times for Mutual Trust Life Insurance company.


      As growing confusion with our company and an employee voluntary benefit company operating with the same name, in 2013, Combined Financial Services decided to change it's name to PLATINUM Endowment, Retirement and Estate Planning.


    Operating Nationwide, PLATINUM currently provides service to our clients from Alaska to Florida.



Chris O’Malley

Chris graduated from Marquette University with a Finance Major and an Education Minor. He has been

involved with financial services for over 33 years. Planning is focused solely on client’s best interest. With many partnerships across the country, Chris is a specialist in wealth accumulation and tax-free income. His insurance experience includes: Life Insurance, Annuities, Tax Shelters, Life Insurance Student Debt Payoff, RMD’s, Long Term Care, Employee Benefits, Health, Medicare, FinaExpense, and Premium Financing.


His clients range from the City of Chicago to the new graduate saddled with huge student debt. In particular, Chris has helped many Federal Employees with their benefits, most notably their exit strategy and separation from service. In fact, his TSP rollover video was on the TSP site for over 2 years.


He constantly confers with his mentors for the best products available for safe, liquid plans that leverage your money to keep it in motion and create market upside interest without any chance of losing money while reducing your tax obligations. Specifically specializing in making your money more efficient, leveraging it to have more money working for you, reducing your taxes, and most importantly, keeping the money you have made. He will maximize what you have to get what you want. Thus greatly increasing retirement income and guarantee it to last your lifetime.


Estate Plans are designed to maximize generational wealth with tax efficiencies designed to greatly reduce or completely eliminate estate taxes on every asset.

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