Retirement Strategy Services
Fixed Indexed Annuities
Not your annuity of the 1990s and early 2000s. Many avenues to explore with fixed indexed annuities, including accumulation goals, lifetime income needs, planning for unexpected health care expenses, and reviewing legacy plans. Protection from market risk, taxes, claims or creditors, lack of FDIC insurance, and probate. Like CD's on steroids, fixed indexed annuities offer guaranteed rates of return while offering penalty free access to funds throughout the life of the contract.
Small Business Retirement Plans
We can help you protect your financial future with a retirement plan for your business. A full range of plans are offered including defined contribution and defined benefit plans. Plans can be custom designed to help give you the largest permissible share of total contribution as well as major tax deductions for your business.
Max Cash Value Whole Life Insurance
Whole life insurance offers a combination of guaranteed death benefit protection, guaranteed cash value accumulation, and guaranteed level premiums over a lifetime. Plus, generally available tax advantages that could provide an effective and powerful financial resource, such as a tax free death benefit to a beneficiary, tax free cash value growth, and tax free cash value withdrawals. Using whole life as a living benefit with the death benefit protection is a great addition to your portfolio.
Individual Disability Income Insurance
Think of disability income insurance as protection for your income. Your income is the foundation for all your expenses and the beginning of a solid financial strategy. What would happen if you were suddenly unable to go to work and didn’t receive your paycheck for three months? What about three years? Could you pay your bills on time? Would your family have enough to meet everyday living expenses? Individual disability income insurance can provide the income protection you’re missing.
Medicare Insurance
Medicare Supplement Insurance is extra insurance you can buy from a private insurance company to help pay your share of out-of-pocket costs Original Medicare does not cover. We offer supplements, advantage plans, and prescription drug coverage essential for your retirement years.
Estate Planning Advice
Confronting your own mortality can be daunting, but estate planning is one of the most loving things you can do for your family and friends. It’s a critical part of financial planning, and it ensures that your loved ones are provided for and your estate is divided according to your wishes. Working with our strategists can help you complete the process smoother while making sure your plan is comprehensive and tailored to your family’s needs.