The New Reality of Retirement

Recent economic recessions and the COVID-19 pandemic have wiped out the savings and confidence of many, causing them to rethink long-held assumptions about the timing and circumstances of their retirement. Likewise, government spending patterns and increased awareness of demographics have caused many Americans to rethink the likelihood of government assistance in their personal futures and have convinced many that massive tax increases are coming. Their new mantra is, “My future is up to me.”

In light of these changes, many Americans are resigning themselves to continued employment and not being able to retire at all, or at least not full-time. While that may be mentally and physically healthier than retiring to their favorite lazy boy chair, having a choice in the matter is still important for most people. True freedom of choice requires preparation, time, effort, and commitment. Like the climb to a target elevation, the earlier the preparation and effort, the easier the climb and gentler the slope.

There are many issues to consider, and an experienced financial professional can help you identify and prioritize what is most important to you. Just as no single automobile (for example, a van, sports car, or sedan) could satisfy every driving preference, no single product or strategy will satisfy everyone’s needs. Each product or strategy depends on the needs of the driver: you.

Don’t leave your future up to chance. Benefit from a caring, experienced, and well-educated financial professional

Insurance & Financial Services*

Annuities (Fixed, Indexed, & Variable)

Annuities represent guaranteed lifetime income backed by the strength of the issuing company. Since they come with fixed interest rates, they’re shielded from sudden or unexpected market downturns while providing reduced costs and reduced risks. They also help provide added peace of mind that you have the option for lifetime retirement income. We can help you decide what kind of annuity is a good way for you to replace your income in retirement.

Life Insurance (Term, Whole, Universal, Indexed, & Variable Universal)

We believe that life insurance is a key component of a comprehensive retirement plan. Life insurance helps protect your loved ones in the event of your passing and can provide a meaningful legacy for your family. Meet with us and discover our passion for getting you the coverage you need and deserve.

Medicare Supplements and Advantage Plans

Health costs in America continue to increase year after year. You’ll want to make sure you have the right coverage in case of a hospital visit or emergency procedure. We work with you to review Medicare and Medicare Advantage options, identifying your needs so you can avoid nasty out-of-pocket costs eating into what should be your retirement.

Long-Term Care Insurance

Long-term care (also known as extended care or LTC) is the type of assistance people need to perform the normal activities of daily living like eating, bathing, dressing, and getting out of bed. The need for LTC assistance arises as a natural part of aging but can also result from an injury or illness, such as multiple sclerosis, stroke, rheumatoid arthritis, or cognitive impairment, such as Alzheimer’s disease.

Most people assume long-term care insurance (LTCI) only pays for nursing home care, which few of us want to experience, but that belief couldn’t be farther from the truth! While LTCI can pay for nursing home expenses, its real purpose is to help people maintain their independence, stay at home, and preserve their life savings. Experienced financial advisors can help you design a plan that keeps your family (and finances) together.

Related Services

• Individual Retirement Account (IRA) Rollovers
• Converting Traditional IRAs into Roth IRAs
• Long-Term Care Planning (Traditional and Hybrid/asset-based strategies)
• Educational Seminars

*There are risks involved with investing, which may include market fluctuations and a possible loss of principal value. Particular investments may not be suitable for certain situations. Carefully consider the risks and possible consequences prior to making an investment decision.

Want to Learn More?

Please complete the contact form, and we’ll be in touch. We look forward to helping you!

"*" indicates required fields