Our Services
Medicare
Health Insurance U65
Certain life events, like losing health coverage, moving, getting married, having a baby, or adopting a child, may qualify you to enroll in or change Marketplace health plans outside the yearly Open Enrollment Period.
Life Insurance/Burial Expenses
Index Universal Life
Mortgage Protection
Income Replacement & Income Protection
Final Expenses
Social Security Optimization
You would not take a decision about a nine hundred thousand asset lightly would you?
The average married couple retiring today stands to receive close to $1 million dollars over the course of their retirement, according to the Urban Institute1. Many people stand to gain or lose more than $100,000 in benefits depending on how they make this one decision.
Our Service
Analyze – Using software, we analyze hundreds of possible election strategies and identify the one that offers the highest lifetime value.
Integrate – We examine your optimal Social Security election strategy in light of your other assets, income streams and goals to identify potential conflicts. We’ll help you match your Social Security decision to your overall plan.
Identify Alternatives – When conflicts exist due to asset structure or income needs we will identify alternative Social
Security strategies.
Report – Provide a report comparing the best, earliest and alternative strategies for your consideration.
Retirement Planning
We want you to be able to retire properly. That means enjoying retirement your way on your timeline, without worrying about outliving your money. Our goal is for you to live your adventure, now and into the future for the adventure you value is the one we will help you pursue.
People in the pre-retirement stage (5+ years prior to retirement) often need help strategizing IRA & 401(k) Rollovers, Social Security Optimization, Retirement Income Planning, and Tax Planning.
As retirement nears, the traditional strategy has been to move growth-seeking products to more conservative, fixed-income products. According to a recent study, for a married couple age 65 there is now a 50 percent chance that at least one spouse will live to age 94 This means that you may need to plan for your retirement savings to potentially last 25 to 30 years.
Sixty-one percent of Americans surveyed said they were more afraid of outliving their assets than they were of dying.
A significant loss in the years just prior to and/or just after you retire could negatively impact the level of income you receive over the course of your life. In fact, if a loss occurs earlier in life, there is also the chance that you may have more time to recover (versus a loss occurring later in retirement). Why? Simply because a smaller pool of assets is left to sustain you throughout your retirement years and your assets may not have as much time to recover.
Small Business 401K
Our goal is to provide you with the information you need while also making it easy for you to understand your plan selection. You can get health coverage during the Open Enrollment Period, which starts November 1st-December 15th.
