Helping our clients make their retirement dreams a reality
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Safe Money Retirement
Safe Money Retirement® is more than an idea, it's a reality for those that want to protect their hard-earned retirement from market losses while still enjoying a portion of market gains. It's also a reality for those wanting a guaranteed lifetime income they can never outlive, no matter how long they live. These products, if set up properly, can completely eliminate the market risk from your portfolio, while still allowing you to take a portion of the gains when the market is growing. If you're concerned about the market making a downturn or tax rates rising in the future, you need to understand how these products work and how they can help you make a sound plan for your retirement by keeping your hard-earned money safe, providing a Long Term Care benefit, and paying you an income you can't outlive.
Our team of experts can help you understand how a Safe Money Retirement, Point to Point Indexed Retirement Plan works, and how it can work for you. We can also help you find out what types of Roth IRAs are available to you, and help you determine the smartest way to move your funds to a Roth IRA. We are completely independent, meaning we represent literally every option available in your area. Set an appointment now to see what is available in your state and that you qualify for under the current suitability rules. |
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Legacy Planning Options
Life insurance is a fantastic way to plan ahead for your family's security and protect your legacy, but it can be so much more than that! If planned properly, specific types of life insurance can be a major part of your future planning. Don't buy life insurance just to buy life insurance. Get with us and use our 60+ years of combined experience to go over your specific situation and goals and we will put together a plan to get you covered for retirement, future plans, emergencies and more.
Contact us today for a free no-obligation Virtual or in-person consultation at your home or our office, or set your own appointment by clicking here. We'll make sure you understand all your options and get all your questions answered. Since we're independent, we represent ALL of the top-rated insurers in the market and there is never a fee to our clients for any of our services. |
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Long Term Care
Unlike traditional health insurance, Long Term Care insurance is designed to cover long-term services and supports, including personal and custodial care in a variety of settings such as your home, a community organization, or other facility. Since Medicare doesn't cover Long Term Care, many need to consider this important coverage. Statistics show 70% of the population will need Long Term Care at some point.
Long Term Care insurance policies reimburse policyholders a daily amount (up to a pre-selected limit) for services to assist them with activities of daily living such as bathing, dressing, or eating. You can select a range of care options and benefits that allow you to get the services you need, where you need them. If you are in poor health or already receiving Long Term Care services, you may not qualify for Long Term Care insurance as most individual policies require medical underwriting. In some cases, you may be able to buy a limited amount of coverage, or coverage at a higher “non-standard” rate. Some group policies do not require underwriting. There are alternatives to traditional Long Term Care policies that are sometimes much more cost effective and typically much easier to qualify for. These benefits come from riders attached to an annuity or a life insurance policy. We can help you look at all the available options and make the choice that will be best for your specific situation. |
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Medicare
Medicare can be frustrating and confusing. There are many benefits available, including extra help if you need it, that many Medicare clients simply don't know about. Let our team with well over 60 years of combined experience help you make the best choices for you and your specific situation. We are independent Certified Medicare experts, meaning we represent ALL of your options to help ensure you're in the best plan available with the most benefits and the lowest premium, making sure you're properly covered when you need it. If you're turning 65 soon, you can begin your Medicare coverage in the 3 months before your 65th birthday, your birth month, or the 3 months immediately after your birthday (so a 7 month period). Sign-Up for Medicare here. If you've already got Medicare coverage, you may have to wait for specific times of the year to make changes to your coverage, and we can help you with that. As always, there is no cost to you for any of our services. Contact us today for a FREE, no-obligation Virtual or in-person consultation at your home or our office, or set your own appointment by clicking here.
For those that already have Medicare coverage in place, we offer a FREE no-obligation "Medicare Check-Up" where we look at what coverage you have now and compare that with all that's available to you. |
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Final Expense
The last thing those still living are going to need to be burdened with once you are gone are your final expenses. Final Expense is a simplified whole life insurance policy that is designed to cover medical bills and funeral expenses. There are no medical exams required like traditional life insurance and there are never any rate increases.
This can be a great plan to take care of expenses so your family doesn't have to. We represent multiple companies that write final expense policies, so we can help you find the best one for your specific needs. Contact Us today to discuss your options. |
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Veterans
We respect and thank each and every veteran for their service. That is why we are Corporate Champions with the Wounded Warrior Project. Each and every Veteran earned and deserves the very best healthcare available, and many Veterans are looking for options. We are here to explain them and guide each Soldier, Sailor, Airman, Marine, or Coast Guardsman toward the plan that is best for them. Contact Us today or Set An Appointment to get a FREE, no obligation consultation to find out exactly what your options are and how to best plan for your future.
How to apply for VA benefits: For any Veteran who hasn't already applied for benefits, the first step would be to apply. You've earned your Veterans benefits, so take advantage of them. For help Veterans can call: (877) 222-8387 or Visit: www.ebenefits.va.gov |
