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Our Services
Our Retirement Planning Services
In today’s world, retirement means something different to everyone. What it should mean is living life on your terms.
We offer cutting-edge and versatile products that not only provide a death benefit, but can also accumulate cash value. Examples include variable life insurance, universal life insurance, term insurance and whole life insurance. Each type has special characteristics and traits, but the goal for each is to provide your loved ones with financial security should you die prematurely and also accumulate as much cash value as possible for you to tap into on an income-tax-free basis (available on certain types of life products). More and more people are buying cash value life insurance because of the tax efficiency it offers. We cannot provide tax advice, but can work in collaboration with you and your tax professional.
Typically, waiting as long as possible to claim Social Security benefits will maximize the payout. However, did you know that factors, such as how many years you worked, how much money you make, and more, actually impact your Social Security? We will discuss what you need and how Social Security can be optimized for your specific situation.
When trying to accumulate wealth, time is of the essence. We pride ourselves on by working with conservative products that often protect your existing assets and build wealth, there is no such thing as too early to start! There are always understandable concerns with any financial decision, and we are here to make sure that everything is working properly for you.
With fewer and fewer companies offering pensions and defined benefit plans, it’s become rarer and rarer for anyone to have a future income stream that he or she can rely on during retirement. Several financial products, like annuities, provide an investor the opportunity to solve that problem by creating his or her own personal pension.
In the event of an unforeseen health issue, long-term care serves as a safeguard against unexpected situations. Although long-term care plans are often seen as expensive without any assurance of necessity, we’re here to assist you in this decision-making journey. Regardless of your financial situation, we can help identify the most suitable course of action for you.