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our retirement planning services
Retirement planning is an all-inclusive process. We put all of the aspects of your life into perspective with lifestyle goals and time frame. This ultimately determines what your financial objectives are. Once we have determined your financial objectives for your retirement we can work your plan back into a time frame, calculate current excess income or lack of, which then determines what your risk will actually need to be to obtain your goals. Regardless of your feelings toward risk, the plan will show what you would need to initiate to put into action. For example, this might be things like working longer, making more money, reducing expenses, increasing risk, reducing risk, or retiring earlier than planned in some cases. Your objectives help determine which vehicles or strategies to implement your specific plan.
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Annuities are arguably the most common, most utilized, yet most misunderstood financial products available to consumers today. In fact, most investors have no idea that there are actually four very different and unique types of annuities available to them. Instead, most people have been misled by both the media and certain financial personalities who misrepresent and lump all annuities together as if each one works exactly the same.
We offer cutting-edge and versatile products that not only provide a death benefit, but can also accumulate cash value. Examples include whole life insurance, universal life insurance, and variable life insurance. Each type has its own unique characteristics and traits, but the goal for each is to provide your loved ones with a sense of 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. More and more people are buying cash value life insurance because of the tax efficiency it offers.
Long-term care is utilized when someone requires help with everyday living or has a severe cognitive impairment. These plans are often viewed as “too expensive” when there is no guarantee that you will even need one. However, many don’t realize that in addition to covering unforeseen costs, these funds can also be used towards things such as in-home nursing or physical therapy.
As you approach retirement, we can evaluate your existing retirement accounts – pension, IRAs, SEPs, 401k plans, annuities – and make recommendations for generating income from these accounts. We can also provide an overview of the options you have available for taking distributions from these accounts, and advise you on the most effective way to convert these assets into a steady income stream in retirement.
