ESB Insurance & Financial Services

"There are many opportunities in today's investment market and I'd like to invite you to come in and talk with me about your personal investments and your investment goals. I look forward to meeting you sometime soon." – Fred Harder, Registered Representative* of ESB Insurance & Financial Services

Office located at ESB Financial, 801 Merchant, Emporia, KS 66801 or at (620) 342-3454


Areas of Specialization


  • Asset Protection
  • Conservative Growth
  • Income
  • Retirement Planning
  • IRAs and 401(k)s
  • Tax Deferred Planning
  • Long Term Asset Growth
  • Tax Deferred Asset Growth
  • Life Insurance
  • Long Term Care

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*Securities offered through SagePoint Financial, Inc., member FINRA/SIPC. Certain insurance products offered through ESB Insurance & Financial Services, which is not registered as a broker-dealer or investment advisor. ESB Insurance & Financial Services and ESB Financial are not affiliated with SagePoint Financial, Inc. Securities are not FDIC Insured, not guaranteed by ESB Financial, and may lose value.

This communication is strictly intended for individuals residing in the states of Kansas, California, Colorado, Illinois, Nebraska, Missouri, Oklahoma, South Carolina, Indiana, Iowa and Texas. No offers may be made or accepted from any resident outside the specific state(s) referenced.

IMPORTANT CONSUMER INFORMATION

A Broker/dealer, investment adviser, BD agent, or IA rep may only transact business in a state if first registered, or is excluded or exempt from state broker/dealer, investment adviser, BD agent, or IA registration requirements as appropriate. Follow-up, individualized responses to persons in a state by such a firm or individual that involve either effecting or attempting to effect transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without first complying with appropriate registration requirements, or an applicable exemption or exclusion. For information concerning the licensing status or disciplinary history of a broker/dealer, investment, adviser, BD agent, or IA rep, a consumer should contact his or her state securities law administrator.

The insurance or annuity:

  • Is not a deposit
  • Is not an obligation of, or guaranteed by, the bank or any of its affiliates
  • Is not insured by the FDIC, or any other agency of the United States, the bank, or any of its affiliates
  • Is an investment risk and there is a possible loss of principal, if applicable