Our services
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Retirement Planning
Want to learn about how you can help cement your financial future?
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Life Insurance and Annuities
Want to learn about how your life insurance can pay while you are alive, grow tax-free cash, or cover current debt?
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Long Term Care Insurance
Want to learn how you can plan for long-term care during your retirement or time of need?
Life Insurance
When I was a young person, Life Insurance as I knew it was to help old people with enough cash to pay for the funeral and the burial.
Fast forward to today, Life Insurance can be designed to provide a lifetime of accumulation that can be used as a stream of tax free income. With the right design, Life Insurance can provide Long Term Care when the client needs it most. Perhaps the biggest change in recent years, is the inclusion of Living Benefits into policies that pay out to the insured for critical and chronic needs while the insured is still alive and able to manage.
What does a person do if they can't qualify for Life Insurance? How do they protect and grow their savings…when I was young, annuities did not have the protection that is available today. Sit down with your Financial Services Professional and know that your money can use the upside of the stock market and be protected from the downside of the market. Fixed Index Annuities are useful in a large % of the cases I have seen.
What happened to that old life insurance that used to be available to protect your family after you passed? It is better than it ever was! You can plan for inflation and avoid probate if you have your affairs set up right. That means that you can buy an insurance plan that has those Living Benefits and be assured that your loved ones are protected from having to come up with a sizable amount for your final expenses. You can provide a legacy to help the folks left to lift them up financially!
Retirement Planning
Clients share their goals for retirement, which may include a vacation home, travel, legacy plans, continued work part time, and an estimate of expenses monthly, and per year out as far as they can see. Then we look at the financials for guaranteed retirement income from pensions, 401k accumulations, inheritance, social security benefits, and other income streams.
We will recommend a retirement plan, based on the work life they have before retirement and their goals to project a graphical picture of what they can expect over 30 years after retirement. If they have not saved enough then we will need to change the goals or the retirement plan to get a closer match to what they can expect.
Long Term Care Insurance
Planning for the future means more than just a death benefit. Long-Term Care (LTC) riders are designed to provide financial security should you require extended care due to chronic illness or disability. Imagine accessing a portion of your life insurance's death benefit while you're still alive to help cover the costs of home care, assisted living, or nursing home facilities. This rider can help you preserve your assets and maintain your independence, reducing the burden on your loved ones. Secure your peace of mind and protect your retirement savings with flexible LTC riders – a smart addition to your life insurance portfolio
