Your retirement years can be the best years of your life. However, today you can’t rely solely on Social Security or employer-sponsored retirement plans. You need to take the initiative and develop a plan to ensure you are financially prepared for your golden years.
It's never too early, or too late, to start saving. By teaming up with the Investment Service Center, we can give you tips on saving and investing based on how close or far you might be from retiring. We’ll help you create a focused retirement plan, while saving for other goals too. By using smart investing and withdrawal techniques, and learning about ways to generate income during retirement, we can help ensure your money lasts a lifetime.
Investment Accounts, Management, and Advice
No matter your level of investment experience, if you're prioritizing your financial goals, need a plan for where and how to save, or want help with investment management, our team can help. With decades of combined experience, we can help make the decisions that grow your money, protect your assets, and leave behind a financial legacy that can affect your family and community for generations to come.
We believe in building a solid relationship based on trust and mutual respect. Schedule an appointment and get to know us. We’ll help you create a financial plan that is customized for your financial goals, risk tolerance and time horizon.
A college degree, despite the rising cost of tuition, remains a major achievement in the modern economy. You are more likely to have a job and earn a decent salary the more education you receive. Whether you are saving for yourself, a child, or grandchild, the high cost of higher education may seem overwhelming, but we can help.
Employer-sponsored qualified retirement plans such as 401(k), 403(b), 457, SEP Plans, and SIMPLE IRAs are some of the most powerful retirement savings tools available. Many employers want to offer their employees the opportunity to save for retirement but are unsure of how to go about it. Our team is experienced in working with businesses of all sizes and has an excellent track record that can help you get started, manage your plan, and even share ideas and guidance to maximize the value to you and your employees.
Defined Benefit Plans 412(i)
Are you hitting the limit on your SEP or SIMPLE IRA? Our team can help make a plan to meet the contribution objectives of small business owners and individuals with high self-employment income. Designed for a sole proprietor, LLC or corporation, a 412(i) is an IRS-approved retirement plan that allows significant tax-deductible contributions each year.
However well you plan, some events can’t be predicted. Insurance can play a vital role in your financial plan. With custom insurance solutions (such as life insurance or long-term care insurance) integrated into your wealth plan, our team can help you build and transfer wealth, create liquidity, and help protect your assets.
Our team can help tackle the complexities of it all by using a comprehensive strategy designed to help your house hold, regardless of your circumstances, get the highest lifetime benefits.
If you or a loved one are nearing age 65, we can also assist in helping you navigate the process of signing up for Medicare and Medicare Supplement coverage.
Already have coverage? It is typical for Medicare Supplement premiums to increase over time. These premium increases are at the discretion of the insurance company and are influenced by the age and claims history of their respective risk pools. Each insurance company’s risk pools are unique, resulting in different premium change schedules.
Given that Medicare Supplement policies are mandated to provide like coverage among like plans, there’s a possibility that you could attain the same coverage you are enjoying now at a lower premium. Our team believes it is important to occasionally re-quote your coverage to ensure you’ve got the best deal out there. Contact our office if you are interested in a quote.