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Services

Retirement Planning

Do you currently have a 401(k), 403(b) or other retirement plan? Are you self-employed and need to set up your own plan? Are you looking to establish a supplement to your future retirement?

 

We offer many plans to help you build, grow, and/or preserve retirement funds both tax deferred and tax exempt. We have plans for self-employed, business owners and their employees, individuals, and even for your children or grandchildren! We will help you establish a plan that suits your individual goals and needs.

Life Insurance

Who would be affected if you died or became too sick or injured to work? These people will understandably be mentally and emotionally devastated by such an event. Our mission is for them not to be financially devastated as well. 

 

We have insurance to replace our things (cars, phones, homes, etc.), but we often don’t prioritize the one thing that cannot be replaced. US!  The right type of life insurance is crucial for financial well being and should be considered an asset, not a “bill”. Whether you are looking to just cover funeral expenses or need something more comprehensive coverage (i.e., mortgage, debt, lost income, college funding, etc.) we can establish a plan for you. Most of our plans include living benefits far and beyond just a terminal illness benefit. What this means is that in the case of heart attack, stroke, cancer, Lou Gehrig’s Disease, and many other illnesses or injuries, you are able to access a portion of your death benefit while you are still living!!! With current medical advances, most of us will survive many of these illnesses or injuries and have a long full life afterwards. Unfortunately, for those who are not protected, it can be a long life of debt and financial ruin. Our health care may be paid by our health insurance, but who pays our mortgage, rent, bills, etc. while we are getting treatment and recuperating? We can help!

Retirement Transition

 

Are you looking to retire soon? Do you have questions about Social Security, Medicare, and how to maximize your retirement funds?

 

We are experts in all things retirement! We can help you understand Medicare and Social Security. We will assist you in determining what makes the most sense for you in how you receive your health coverage (current employer plan, retiree plan, or moving to individual Medicare options). We will provide a financial analysis of all costs and adjustments that come along with retirement. If you have retirement funds, we will determine if there is a better fit based on your goals and needs. This can be from, but not limited to: 401(k), 403(b), 457, Traditional IRA, SEP IRA, Investment Funds, Mutual Funds, Stocks, Bonds, Money Market, CDs, Cash Sums, etc. and includes ROTH conversions.

Tax-free Supplemental Income/Retirement

 

Are you looking to supplement your retirement income? Are you interested in avoiding market risk and the taxation that comes along with most retirement vehicles?

 

Indexed Universal Life insurance can be a great way to safely grow cash value in addition to getting the living and death benefits that come along with other non-cash value policies. According to the NAIC (National Association of Insurance Commissioners), indexed universal life insurance offers both potential for growth based on the market, as well as protection from losing value if the market falls. If these features appeal to you, you should consider including an IUL in your overall plan. IULs can also be utilized to provide future income/cash value for your children and grandchildren that can aid with college funding, buying a vehicle or home, or even starting a business! We will help determine if this is a good option for you.

MediCare Choices

 

Are you approaching age 65? Are you currently on Medicare and paying too much for your Medicare Supplement? Is your current prescription drug plan working for you? Are you fully aware of all choices available to you in your service area?

 

We will guide you through choosing the right fit for you and explain your options when it comes to Medicare options. We will review your current plan (including retiree group or current employer) and determine if there is a better solution. We will assist you in making the choices that make the most sense for you and your life!

Policy Review

 

Do you currently have health, life and/or retirement policies? Do you understand your coverage? Is your coverage outdated? How about your beneficiaries? Have you experienced life changes such as, have you been married, divorced, had more children and/or grandchildren?

 

Most of us upgrade our phones, vehicles, homes, etc. but we forget to upgrade our insurance policies. Things have changed immensely in the insurance industry. Policies cover much more than they used to and in many cases are just as affordable (if not more affordable) than old policies. We will review all life, health, financial policies to be sure they are up to date and still in line with you current needs and goals. We will also assist you in reviewing your beneficiaries to ensure that they are up to date and in line with your current circumstances.

 

Disclaimer: Not everyone qualifies for all plans. Contact us today to see if you qualify.

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