Retirement Planning and Solutions

Protect Your Retirement

For more than 25 years you went to work everyday to support your family and to save for your retirement; so when that day comes you can enjoy your family, take those trips and pursue your hobbies. Unfortunately, life doesn’t ease up when you get older, it still throws life’s curveballs at you. Every situation you encounter can have a serious impact on your retirement saving, it can even deplete it completely. If that happens you may be forced back into the workforce to supplement your retirement income. That’s where we come in.

Is Your Retirement Savings Enough?

You placed your money in various retirement vehicles over time to help you save for your retirement such as a 401K, but is it enough? The money you saved should last you throughout your retirement, but you still need a plan to keep and replenish your savings. That’s where we come in to help.

Putting The Puzzle Together

Our agents are dedicated to helping you protect your retirement. We studied the most common situations that retiree’s face that negatively impact their savings. With a thorough exploration with your agent, they will help possibly identify problems that you are at a higher risk to face. They will listen to your concerns, what you want to see in terms of your goals, and come up with the best products to help address those situations should they arise.

There is not a one size fits all package, each one needs to be tailored to you and your situation. Not every product is necessary to protect your savings. These solutions are designed to help ease the hit your savings will take or potentially eliminate it all together. The four main risks are as follows:

Health

Health issues are the #1 cause of retirement savings depletion. Health issues don’t stop at sickness, it includes accidents, chronic illness, surgeries and more. Even with Medicare or Health Insurance, each individual still has deductibles, co-insurance, and co-pays obligations. Having the right plans can help save you money while protecting your health.

We offer both Medicare, Individual Health Insurance and Ancillary options to help protect your retirement against health related loss.

Extended Care

Extended Care is the #2 cause for retirement savings depletion. Most people think nursing homes when they think of extended care, but it embodies so much more. It includes at home care, rehab facilities, assisted living, nursing homes and hospice. You also don’t need to be elderly to experience the need for extended care. Think about this, you fall off a ladder and break both legs, you may need extended care to help you get back on your feet through rehabilitation centers.

Extended Care, if you require it, can even cause someone to liquidate their assets to pay for the care they need. Having the proper protection can help you keep your assets and your savings.

Final Expenses

Nobody knows when or how they will pass away, and nobody wants to think about it; but not addressing it can cause your family great financial hardship. Most people want to make sure their loved one can remain in their home, get the debts paid off, support themselves, leave some money for their loved ones, and also have their final wishes carried out. This is where life insurance comes in – making sure you are adequately covered as life changes occur. If you were to pass and not have anything in place, the things mentioned above would impact your loved ones and put them in situations that are stressful in a time when they are mourning you. You may not be able to have your final wishes fulfilled because they may not have the money to grant that wish.

Income Depletion

You have various investment tools you’ve used over the years to save and grow your retirement savings. This includes your 401K, money markets, bonds, mutual funds and things like this. All of these are variable based products that are influenced by the stock market, and thus you can lose retirement savings. Money you need to borrow from these accounts depletes your retirement savings. Should something catastrophic occur and you don’t have adequate insurance protections, you could exhaust these accounts completely. We offer fixed solutions that are designed to grow your money, generate a monthly payout so you never outlive your savings.

Let’s Start Building

The consultation doesn’t cost anything. The consultation will take anywhere between 1 and 2 hours. It can be done at your home, a public setting or on Zoom. After the consultation, you are not obligated to purchase anything from our agent. This is not a package, if you choose to buy, you can choose one or more of the solutions presented. We guarantee no high pressure sales, as it’s a violation of our policy. You can also look over the proposed solutions for a few days before purchasing as well.