RETIREMENT STRATIGIES
A solid retirement strategy goes beyond saving and investing; it’s about protecting what you’ve built and creating reliable income for the future. We help you plan with tools like fixed annuities to guard against market volatility, life insurance strategies that can support income and legacy goals, and long-term care planning designed to protect your assets from unexpected healthcare costs. Together, these strategies are tailored to help you retire with confidence, clarity, and peace of mind.
IF YOU'RE LIKE MOST AMERICANS, YOU'RE CONCERNED ABOUT RETIREMENT.
3
LONG-TERM CARE
In the US, Medicaid provides assistance for low-income individuals that require skill or unskilled care; however, in order to qualify for state aid, you must deplete your assets. Long term care is a coverage that will cover all or part of the skilled and unskilled care to protect your assets that you have accumulated over the years.
2
LIFE INSURANCE
You're probably familiar with life insurance, and the importance of the death benefit that it provides. If you pass away during retirement, the death benefit can be used to help fund your spouse's retirement goals, help replace lost social security income, or other needs. Of course, it can also be used if you pass away prior to retirement. You might not be familiar with the potential benefits that a cash value life insurance policy can provide during your lifetime. Learn how life insurance can be beneficial to your overall plans.
¹ Fixed Annuities are designed to meet long-term needs for retirement income. They provide guarantees against the loss of principal and credited interest, and offer the reassurance of a death benefit for your beneficiaries. Early withdrawals may result in loss of principal and credited interest due to surrender charges. Any distributions may be subject to ordinary income tax and, if taken prior to age 59 ½, an additional 10% federal tax.
² Keep in mind that most life insurance and long-term care policies require health underwriting and, in some cases, financial underwriting. For information on how life insurance and long-term works, including fees and expenses, please contact our office.
Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company.
