Our Full Suite of Services
We’re independent, so we can help you develop your custom retirement income strategy from a wide array of products, services and approaches. We can help meet your specific financial needs, no matter how close you are to retirement.
Life Insurance
It’s never an easy task to think about the future of your family after you’re gone but you don’t have to go it alone.
Social Security
In your youth, it’s hard to imagine that someday many years of demanding work will benefit a seasoned version of ourselves.
Long Term Care
With medical expenses on the rise, long-term care is an aspect of retirement planning that could derail your financial footing in a time of need.
Medicare
One big decision, two possible routes. When you reach the age of 65, you become eligible for Medicare.
Annuities
Traditionally, stocks and bonds are bundled together to create a more balanced approach to investing yet both investments are still dependent on the market and subject to volatility.
Life Insurance
It’s never an easy task to think about the future of your family after you’re gone but you don’t have to go it alone. Legacy Planning with a trusted professional can preserve you and your loved one’s comfort and security, both in the present and tomorrow.
Saving for college? We spend so much time nurturing our children from the moment they are born that we often forget to plan ahead. Learn how Life Insurance can help foster their brightest future.
What happens to my debt? The average American has $90,460 in debt.1 Borrowing money has become a normal part of American life. Ensure your relatives freedom from the responsibility of paying back your debt.
Can you use it while you’re alive? Life insurance can serve your retirement strategy beyond just preparing for the future. Give yourself more control and flexibility over your taxable income during the years you’re meant to enjoy.
Is it taxable? Leave behind a legacy that isn’t levied and build the potential for non-taxable cash value growth into your retirement plan. Learn how Life Insurance may serve as a protective account that you could potentially draw from income tax-free.
Will my family be taken care of when I pass away? Having a Life Insurance Policy is one of the ways you can provide financial security to your family after you’re gone. Typically, death benefit money is non-taxable and exempt from creditors.
1https://www.cnbc.com/select/average-american-debt-by-age/
Long Term Care
With medical expenses on the rise, long-term Care is an aspect of retirement planning that could derail your financial footing in a time of need. The US Department of Health and Human Services estimates that by 2030 “70% of Americans who reach the age of 65 will need some form of long-term care.”2
What is long-term care? According to the National Institute of Aging, "The most common type of long-term care is personal care—help with everyday activities."3 Another common scenario that dictates the need for long term care is the occurrence of a health event such as “a serious, ongoing health condition or disability.”3
What does long-term care typically cost? Using Genworth’s Cost of Care calculator4, the national average monthly cost for a home health aide in 2021 is $5,148 and a private room in an assisted living facility is $4,500.
Is long-term Care covered by Medicare? No. Knowing how high the necessity is for long-term care, it would make sense that Medicare provides coverage for things like facility care. Unfortunately, Medicare does not offer contributions to the costs of these demanding circumstances.
2 https://www.longtermcarepoll.org/report-long-term-care-in-america-expectations-and-reality/
3 https://www.nia.nih.gov/health/what-long-term-care
4 https://www.genworth.com/aging-and-you/finances/cost-of-care.html
Medicare / Medicare Supplements / Advantage Plans
One big decision, two possible routes. When you reach the age of 65, you become eligible for Medicare. There are four parts to consider (A, B, C and D) which each require thoughtful selections, timely filings, and a comprehensive understanding of your plan selection’s possible ramifications. Working with a licensed insurance professional can provide insight on your options so you can move forward with confidence.
Do I get to pick my specialists? In a time of need, you want the best care and nothing less. Understanding your Medicare choices can impact whether you get to select the specialist of your choosing when it matters most.
Do I have to pick a plan for all parts if I’m eligible? Failing to select a plan can trigger penalties that could affect you the rest of your life. Avoid making uninformed decisions that can impact the quality of your retirement and peace of mind down the road.
Can I change my plan selection later? Some parts of your Medicare plan can be changed periodically. Give yourself the advantage of knowing your options and understanding the best plan selections for your personal scenario.
Annuities
Traditionally, stocks and bonds are bundled together to create a more balanced approach to investing yet both investments are still dependent on the market and subject to volatility. Understandably, in today’s environment of uncertainty you may not be comfortable putting your life’s savings at risk. Annuities offer potential safekeeping of your hard-earned retirement in a way that stocks and bonds are simply unable to do.
Can I collect income from an annuity? Yes. When you’re ready to start collecting income, annuities can offer a varied range of insured distributions. The creation of this guaranteed payout agreement is called an annuitization. You may also get it from the numerous income riders available.
Why would I need an annuity if I already have retirement accounts? Aside from protecting your retirement from market volatility an annuity offers the relief of knowing that you will have a protected source of income regardless of market performance.
What happens to my annuity if I die? No matter how experienced the fortune teller, we’ll never know how long we’re going to live. An annuity can potentially serve as a protected source of income for your spouse should you die and a death benefit to your children.
Do you have CDs? Learn how to earn potentially higher interest rates than what CDs offer.
Worried about market downturns? Find out about products that may be able to provide potential growth in addition to downside protection.
Annuities are designed to be long-term investments and may involve fees. Early withdrawals may impact annuity cash values and death benefits. Taxes are payable upon withdrawal of funds. An additional 10% IRS penalty may apply to withdrawals prior to age 59 ½. Annuities are not guaranteed by FDIC or any other governmental agency and are not deposits or other obligations of or guaranteed or endorsed by any bank or savings association.
We can also refer you to professionals who provide the following services:
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Trusts
Probate
Charitable Giving
Estate Planning
Tax Planning
Wealth Management
Take the First Step Today
It’s never too early — or too late — to take control of your financial future so you can enjoy life on your terms. Get started today by scheduling a meeting or registering for an upcoming event.
Social Security
In your youth, it’s hard to imagine that someday many years of demanding work will benefit a seasoned version of ourselves. Choosing the best strategy to replace the income that you’ve devoted countless time to is a considerable decision. Social security will be the foundation of your income plan, know your options.
Are you picking the right Social Security option? You have one chance to select your plan, 96 different months you can file, and a brief period to revoke your selection. With the proper guidance, you may be able to safeguard your retirement and find peace in truly knowing your options.
Have you factored Social Security taxation into your plan? We rely on social security in retirement. Make sure you understand social security taxation to avoid a lack of planning that could be detrimental to your retirement.
Will Social Security be there when I retire? You may be wondering if social security will still be in place when it’s time to retire. Learn about social security's historical changes and what to expect for your retirement.
Have you thought about spousal continuation? We give special consideration to our spouses each day and factor the influence that big decisions may have on their lives. Retirement is no different. Have a plan in place that allows for the optimal security of your life partner.