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Financial wellness, put simply, is the ability to have a healthy financial life. It means your debts are payable and you have ample emergency, college and retirement funds. You’re well prepared to handle any financial crisis.
The bottom line is that financial wellness is about feeling good about your financial health now and in the future.
If your employer offers a wellness program, embrace it. It’s one of the best fringe benefits to come along in a generation. Don’t have one? Ask your employer to start one.
Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of our foundation for success.
What does financial peace of mind look like for you? How good would it feel to know that your financial advisor, insurance agent, CPA and your estate planning attorney were working together to achieve the dreams and goals that you have for your family's future?
Where will your retirement money come from? If you’re like most people, qualified-retirement plans, Social Security and personal savings and investments are expected to play a role.
A Fixed Index Annuity (FIA) is an insurance contract between you and a life insurance company designed to help you accumulate assets for retirement. They offer low financial risk, conservative returns, and protection for market ups and downs.
Insurance transfers the financial risk of life’s events to an insurance company. A reliable insurance strategy can help protect your family from the financial consequences of those events.
Whether you are nearing retirement, in the process of planning for retirement or looking for ways to protect your families wealth and your legacy, we have the tools to help you.
Social Security Optimization
Long Term Care
Ever wonder how some families - who own homes, drive nice cars and show other similar trappings of a comfortable life - somehow manage to garner college scholarships of $10,000, $15,000, even $25,000 or more...
...even though their kid(s) aren't valedictorians and didn't cure a deadly disease last summer?
What do they know that you don't?
College planning is complex. As your child navigates the gauntlet of tests, tours, essays, applications, and admissions, you will wade through the financial aid, forms, and financing decisions. For both of these challenges, there is a massive amount of planning and information to decipher.
We provide a clear pathway. As your central resource for college financial planning, and admissions information and assistance, our portal supports parents and students throughout the entire process.
Retirement Planning is financial planning for the spending years versus the accumulation years. The emphasis you should place on retirement planning does change throughout different life stages, so it’s important to work with a trusted financial professional that will help you map out your long-term goals and adjust your retirement plan if any major life events occur. When you plan your finances and lifestyle choices, it becomes much more likely to achieve that dream of a secure and happy retirement. We can help you build wealth, minimize market losses, protect your principal, and generate retirement income you can’t outlive.
A Fixed Index Annuity (FIA) is an insurance contract between you and a life insurance company designed to help you accumulate assets for retirement. They offer low financial risk, conservative returns, and protection for market ups and downs. You pay premium to the insurance agency in return for regular income payments over a period of time, beginning at some point in the future. If you are looking for a retirement strategy that protects your principal, has some good upside potential, and provides a predictable guaranteed lifetime income stream in retirement, a FIA may be something to consider.
Are you in or near retirement? One of the most common fears for retirees and those planning for retirement is outliving their money. Learn how annuities can help generate a steady stream of income or increase your current savings. They can also help you leave a legacy and provide income for your heirs.
The purchase of an annuity is an important financial decision. Be sure to schedule a full discussion with our company about your retirement needs before making any decisions.
Insurance reviews are an opportunity to measure your progress for your future goals. It’s a thorough process which involves a close analysis of personal finances and an assessment of other building blocks. We can help you look at how to balance work and leisure, how to make smart choices for the future and many other items regarding how to help you enjoy the journey. Life can change – the birth of a child, the death of a loved one, the loss of a job, a major purchase – which will re-adjust your customized strategy. We can help you chart a new course if need be to ensure you meet your personal financial goal.
Annual insurance reviews also provide an excellent chance to examine your short-term and long-term goals. We can work with you, focusing on the ideal lifestyle you want to live today as opposed to deferring that lifestyle to a future that may never come. Having you really think about what you’re saving for is a big opportunity to have a richer dialogue about your retirement and how we can help you develop a personalized plan to reach your ideal retirement. We will help you implement any new plan of action that has been developed in light of your changing goals or changing performance.
You can now look forward to a retirement that could last 30 years or more. That’s a great thing. But planning for it comes with more challenges than ever before. One of the most common fears for retirees and those planning for retirement is outliving their money. So while you’re thinking about hobbies and travel, you’re also focused on healthcare costs. Volatile markets. Taxes and inflation.
We can help, with products that seek income and growth, fixed indexed annuities designed to provide guaranteed lifetime income, and life insurance solutions that offer more kinds of risk protection along with the opportunity to build cash value.
We specialize in income strategies for guaranteed income to help you maintain your lifestyle now and in retirement. Contact us to learn more about the tools that can generate a steady stream of retirement income, increase your current savings, or leave a legacy and provide income for your heirs. Be sure to schedule a full discussion with our company about your retirement needs before making any investment decisions.
Insurance transfers the financial risk of life’s events to an insurance company. A reliable insurance strategy can help protect your family from the financial consequences of those events. A strategy can include personal insurance, liability insurance and life insurance.
We’re dedicated to serving the life insurance, disability and long-term care needs of our clients. Our goal is to provide you with outstanding personal service and customized solutions.
Whether your need is life insurance for income replacement, retirement supplement or estate planning… disability insurance… or long-term care, we’re ready to find the right solution for you.
Your Social Security retirement benefit represents a lifetime’s worth of savings, time and work. Although many Americans are familiar with the basics of Social Security, few are able to figure out exactly the best way to file, so they can get the most out of all they have put in.
We can help you understand your Social Security benefits and educate you on how you can maximize those benefits. For example, delayed filing for Social Security can potentially increase your benefit amount by a rate of eight percent per year.
We will help you get the highest amount possible to help you achieve a secure and enjoyable retirement.
Understanding tax strategies and managing your tax bill should be part of any reliable financial approach. Some taxes can be deferred, and others can be managed through tax-efficient investing. With careful and consistent preparation, you may be able to manage the impact of taxes on your financial efforts.
Tax planning is an important component for your overall financial plan. Careful planning throughout the year can assist you in reducing the taxes you pay – as well as help you achieve your financial goals.
We provide expert tax planning and preparation, utilizing ideas and strategies specifically designed for retirees. Most people do not know that in the retirement years every dollar saved by minimizing income taxes will increase your spending capacity in retirement more than additional growth on your money.
Tax planning should not be done in isolation, but instead should be driven by your overall financial goals and integrated with your total financial plan. We can help you develop and implement appropriate strategies to lessen or shift current and future tax liabilities to help you meet your long- and short-term objectives.
One of the keys to a reliable financial strategy is spending less than you take in, and then finding a way to put your excess to work. A money-management approach involves creating budgets you understand so you can make informed decisions about where your money is going. It also involves knowing where you may be able to put your excess cash to work.
You have meaningful goals. We can help you reach them. We have worked with individuals, families, businesses and institutions—to deliver services and solutions that help build, preserve and manage wealth.
We work with you to determine the most appropriate way for you to invest. There are a range of ways to invest, each requiring different levels of involvement and decision making. Some people like to be very involved in the investing process. Others would rather leave the day-to-day decision making to a professional. Still others are somewhere in between. We will work with you to find the best way to manage your portfolio of investments, based on your needs and risk tolerance.
In theory, investing should be easy—just buy low and sell high—but most of us have trouble following that simple advice. There are principles that may enable you to put together a customized strategy that reflects your risk tolerance, time horizon and goals. Understanding these principles and strategies can help you avoid some of the pitfalls that snare some investors.
Investing is about reaching your financial goals: retirement, paying college, or just providing for your family. Working with a financial professional can offer personalized, professional guidance to help you reach your investment goals. We will take the time to understand your complete financial picture and tolerance for risk — and provide a strategy to help you maximize all elements of your financial life.
We work with you to develop a personalized investment plan to reach your future retirement goals. We will help you implement any new plan of action that has been developed.
Chances are you could live well into your 80s, your 90s and possibly even longer.
When you live a long life, the likelihood you’ll need long-term health care is greatly increased. Younger people also need long term care as a result of accidents or illnesses.
Almost 70% of people turning age 65 will need long-term care at some point in their lives. Many people think the phrase “long-term care” refers to an insurance policy. While insurance may be part of your strategy, long-term care encompasses everything from long-term services and supports and finances, to where you will live and how you will navigate the myriad of legal, family, and social dynamics along the way.
Long-term health care is generally not covered by medical insurance, by Medicare supplement plans or group / employer insurance. For seniors on Medicare, the long-term care benefits can be quite limited.
That is why over 10 million Americans have purchased long-term care insurance. We offer several LTC solutions including individual plans, asset-based long-term care, and life-insurance-based long-term care. We will work with you to find the best plan for your LTC needs.
An estate plan is an important part of the financial planning process. It’s never too early to begin thinking about getting your affairs in order during your lifetime and gaining control of the distribution of your wealth after death.
An effective estate plan can communicate your healthcare wishes and ensure they’re carried out – even if you are unable to. An effective plan can even designate someone to manage your financial affairs, should you be unable to do so.
Let us help you plan for your legacy and ensure your loved ones are taken care of when you’re gone.
When you picture your retirement, what comes to mind? Will you have enough income to sustain the lifestyle you currently have or to achieve the lifestyle you dream of having when you retire? Is your families wealth and legacy protected? We work with you to design a personalized plan to help you reach your retirement goals and plan for the lifestyle you dream of.
- Develop A Financial Plan- Establish Clear Goals- Personal Accountability
- Pay Yourself First- Create a Budget- Spend Smart
- Improve Credit Score- Refinance Loans- Eliminate Debt
- Start An Emergency Fund- Protective Insurance- Peace Of Mind
- Retirement Accounts- Alternative Investments- Stocks and Bonds
- How Income Taxes Work- Provisional Income- Deductions and Credits
- Maximize Social Security- Annuities- Retirement Income
- Preserving Your Legacy- How to Avoid Probate- Trust vs. Will
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