our team takes pride in developing plans that allow you to move from your
current situation to future financial goals.
In today's volatile world, planning for retirement can be overwhelming. How do you rollover your 401K? When should you draw your Social Security? Will you have enough money to maintain your current lifestyle?
Planning ahead can lead to a very active, satisfying life in your later years. If you are needing the answers to these questions and more, it's time for you to get a second opinion. Sit down with one of our trusted advisors and make sure you have the best possible plan for your family. This is a no-obligation meeting and there will never be a bill or fee for our time.
Protecting your hard-earned assets in perhaps the most volatile era in generations is easier than you think. And there may not be a more important time than now to safeguard all that you’ve worked so hard to achieve.
Integrating fixed-index annuities into your portfolio can protect you from market loss during a downturn while giving you the opportunity to realize market gains during the good times. With so many unique benefits, a fixed index annuity can be a strong addition to your balance sheet and the foundation of your financial security.
A traditional Individual Retirement Account (IRA) is a personal tax-deferred retirement plan established for: those who receive compensation or earned income from employment and those who are divorced or separated and receive taxable alimony or maintenance payments and have not reached the age of 70 ½.
IRAs were created to provide individuals with the opportunity to build their own tax-deferred retirement savings program.
One of the downsides of IRAs is that every year, millions of Americans are forced to take a Required Minimum Distribution (RMD) from their IRAs and qualified plans starting at age 70½. This RMD, drastically decreases the amount that will be left for their beneficiaries after they’re gone.
Our firm offers a broad portfolio of IRA/RMD solutions that can give you the freedom to withdraw your RMD each year and still be guaranteed to leave at least 100% of the original premium as a death benefit through the age of 88, regardless of market conditions.
Long-term care provides you with what you need, when you need it the most. According to the federal government, over 60% of senior citizens will experience the need for long-term healthcare at some point in their lives.
Unfortunately, the vast majority of seniors have no protection from this very legitimate threat. Some cannot qualify due to poor health or expensive premiums while others assume the government will take care of them or are simply in denial of the potential disaster of a long-term care situation.
For those without long-term care coverage, there is good news. Over the last few years, there have been some highly innovative solutions developed that can help individuals protect themselves at very affordable costs. At the very least, we strongly encourage you to explore your coverage options.
When you list the financial assets on your balance sheet, you might immediately think of your house, vehicles, retirement funds, or financial investments. Life insurance is another essential element in your financial plan and offers benefits that no other assets will. Beyond the familiar death benefit, life insurance has several valuable advantages that can both expand and protect your financial security.
Life insurance provides:
protection against the financial risk of dying too soon,
planning for life stage needs,
protection against rising health expenses,
safe and profitable long-term investment, and
While Medicare covers most healthcare expenses, it doesn’t cover everything. A Medicare Supplement Insurance (Medigap) plan sold by private companies can help pay some of the health care costs that original Medicare doesn't cover. This can include copayments, coinsurance, and deductibles.Seniors purchase Medigap coverage to protect themselves from high out-of-pocket costs not covered by Medicare, to budget for medical expenses, and to avoid the confusion and inconvenience of handling complex bills.
While the premiums and plan features may vary substantially, our advisors will assist you with selecting a plan dependent on your circumstances.