Welcome
Financial Planning for those in or nearing retirement
How would a major market down turn affect your current retirement plans?
Solutions
Tax Free retirement option
Convert your savings into lifetime income stream that goes as far as you do
Convert your savings into lifetime income stream that goes as far as you do
There are generally three ways to save for retirement. You can save, invest or insure your retirement savings.
- There is the low risk low reward option such as savings and money market accounts.
- The second option is the most popular which is investing your savings in such vehicles as your 401k, 403b, 457, TSP or IRA where you have unlimi
There are generally three ways to save for retirement. You can save, invest or insure your retirement savings.
- There is the low risk low reward option such as savings and money market accounts.
- The second option is the most popular which is investing your savings in such vehicles as your 401k, 403b, 457, TSP or IRA where you have unlimited upside potential but also has the chance of loosing money to the stock market.
- The third option is what I call insuring your retirement savings. In this strategy you have the advantage of compound interest without actually being in the market thus not having the risk of loss associated with investing.
Convert your savings into lifetime income stream that goes as far as you do
Convert your savings into lifetime income stream that goes as far as you do
Convert your savings into lifetime income stream that goes as far as you do
You've diligently saved & skimped. Now retirement is just around the corner. Looking at your 401k statement can be very deceiving. Sadly that balance you see is not all yours. Not only does Uncle Sam have dibs on part of that. He also sets the rules on when, how much & reserves the right to change his mind. Let us help you reduce that
You've diligently saved & skimped. Now retirement is just around the corner. Looking at your 401k statement can be very deceiving. Sadly that balance you see is not all yours. Not only does Uncle Sam have dibs on part of that. He also sets the rules on when, how much & reserves the right to change his mind. Let us help you reduce that burden.
Next let's talk about how we can lock in the gains the market has given before the market taketh away. Understanding the importance of shifting your strategy from the accumulation phase and into the crucial distribution or spending phase. Now let us show you how to insure your retirement nest egg and get the most out of it.
Long term care
Convert your savings into lifetime income stream that goes as far as you do
Long term care
This is not a fun subject but one that can eat up your retirement savings if not addressed ahead of time.
So who needs LTC or long term care coverage?
The ultra wealthy can most likely afford nursing home care and would just self insure. Or just pay as they go.
Those in the low or no income bracket and able to qualify for Medicaid won't need
This is not a fun subject but one that can eat up your retirement savings if not addressed ahead of time.
So who needs LTC or long term care coverage?
The ultra wealthy can most likely afford nursing home care and would just self insure. Or just pay as they go.
Those in the low or no income bracket and able to qualify for Medicaid won't need it nor could they afford to get private LTC coverage.
So who does that leave? Sadly it is the savers. Those that worked all of their lives, built businesses, socked away money for retirement & have just enough assets NOT to qualify for Medicaid but not rich enough to afford LTC cost AND live their best retirement life as they have planned or dreamt of doing.
Hopefully it is not too late. Book a time with us to discuss LTC cost options. It may be more affordable than you think.
The best time to plant a tree was 20 years ago. The second best time is now.
Chinese Proverb