We Offer a Wide Array of Services. Below are Some of them.
There are two fears that dominate retirement planning; “will I ever be able to retire” and “will I run out of money in retirement”. While a proper retirement plan will include multiple moving parts, there is one thought that MUST supersede all others; “A PLAN THAT IS NOT GUARANTEED IS NOT A PLAN AT ALL, IT IS A LOTTERY”. A proper plan will guarantee an income in retirement that will never run out.
There is a lot of confusion in the market about what annuities can do, and how they can best be used. Annuities and Personal Pension Plans discusses the 4 different types of annuities: Fixed Index Annuity, Fixed Annuity, Variable Annuity, and Income Annuity.
Life Insurance is all about protecting your family. How much do I need? What type do I need?
You are your most valuable asset. During your working years, your ability to earn income is what makes a financially secure future possible. Income Replacement guarantees that you will continue to earn a paycheck at times when you are physically or mentally unable to work. It also guarantees that if you pass away during your working years, others who count on your income to live will continue to receive a paycheck up until the day you would have retired.
Visit Disability Insurance and Replacing Lost Income for more details.
LTC is a major concern for families post retirement. The expense of long-term care can ruin an otherwise thorough retirement plan. LTC policies are an inexpensive way to pay for the catastrophic cost of nursing home care. As we are living longer, nursing home care is much more of a concern than it was one generation ago.
This is a complicated animal, but one that when handled efficiently and effectively is the key to a successful business. Proper planning involves asking yourself many questions. What happens when I am ready to retire? When do I plan to sell my business? Can my business continue to operate if I am unable to work? How do I keep my top employee? There are many more questions that need to be asked, answered, and prepared for. Above all, there is one question you need to ask yourself, “what keeps me up at night?” Once answered, that is the first issue to address.
Group Products & Group Retirement Plans
If a paycheck is what attracts an employee, then it’s the benefits options that keeps them. It makes sense to pay for your employees’ benefits, but in today’s world that may not be economically feasible. If so, by simply endorsing a plan, your employees will be offered coverage at substantially discounted rates vs individual plans. The options are nearly endless and include Life Insurance, Disability Insurance, Dental and Vision Insurance, 401K Plans, Accident & Critical Illness Plans.