Would you be more comfortable handling market ups and downs if you knew your savings would be protected?
Do not put retirement planning on the back burner. Use a 401(k) Rollover expert to plan ahead now, and reap the benefits later.
Our services are customized to meet the specific needs of each client. We work collaboratively throughout the entire process and guarantee measurable results. Contact us to find out how we can help you today.
It's Never Too Early To Start Planning For Retirement
Have you ever lost money in the Stock Market?
Last year we had a pretty good year in the Stock Market. Hopefully it will keep going up.
But what happens if it goes down?
How much more of your money are you willing to lose?
How would that affect your income?
How much would it affect your income if the market dips for another couple of years?
If you could lock in your returns and position your money so you could not lose any more money..... but you could reap the potential upside of the stock market..... Would it be worth 40 minutes to sit down and talk about it?
The key to successful retirement planning is developing a plan that while based on your current financial situation, also meets your projected financial goals down the road.
That's no easy task, however. Tax rules regarding retirement plans are complex. Each benefit plan has specific requirements as outlined by the IRS and it's important to understand the tax implications of your retirement planning choices.
If you've already started saving for retirement, are you confident that you're saving enough to live the comfortable lifestyle you deserve or that you have your money in the right retirement plan for you?
And if you haven't started saving for retirement, we'll help you figure out a no-market risk plan that works for you and your family.
We have access to a variety of insurance products that can help meet your financial security planning needs. No matter your personal situation—if you’re single or in a family; a professional or a seasonal employee; an executive or small business owner—we will work together to design a customized plan.
Retirement Planning Services:
When you use our retirement planning services, you benefit from our in-depth knowledge and years of retirement planning experience. Here's what we do for you:
Evaluate your current financial situation, including assets and liabilities
Create a budget that meets your retirement goals, including how much you need to contribute to your current retirement plan to meet those goals
Review your Social Security account to determine the best time to begin taking your benefits
Make sure that you understand how other sources of retirement income affect the retirement planning process
Determine whether taking a lump sum distribution or opting to take monthly payments is better for your particular financial situation
401(k) rollover | IRA rollover | Certificate of Deposit (CDs)
Isn't It Time You Started Planning for a More Secure Financial Future?
Whether you're already retired, close to it, or just getting started in your career, it’s never too early to start thinking about retirement planning.
To get started simply fill out the contact form below or give us a call. We're happy to help!
We Work With the Best Carriers To Get You the Best Plan!
Want to learn more? Contact us today for an initial consultation.
Let's Get Started
HOW WELL ARE YOU DOING FINANCIALLY?
Gauging your financial health is much more complex than determining your credit score. Let's start with your FIST® Score, which considers your current debt situation, it also takes into account your retirement savings, life insurance, and your emergency savings. Stability in each of these areas is necessary for long-term financial security and the peace of mind it brings to you and your loved ones.
THE FOUR L'S
Financial Stability is nothing more than good risk management. While we may not be able to choose when life's challenges head our way, we can be prepared for the financial repercussions they may bring. The main areas of financial risk that often impact families can be summarized by the four L's. How are you doing in each area?
Losing a job
Without enough money set aside, the loss of a job, an unforeseen medical event or unexpected home repair can cause a significant strain on your finances. Adequate savings set aside for an emergency will keep your head above water when a crisis hits home.
Borrowing too much
Taking on too much debt can be debilitating to anyone seeking a financially secure future. High monthly payments and added fees not only cause significant emotional and financial strain, it also significantly limits your ability to save money for emergencies or for retirement.
Living too long
While you may dream of the day of your retirement, without proper planning, that day may need to be pushed further and further back into an unknown future. Saving consistently and sufficiently for retirement will allow you to determine when and how you retire.
Dying too soon
One of the largest financial burdens that can be placed on a family is the failure to have an adequate life insurance policy in the event of the death of a primary care giver and/or provider. Life insurance is a necessity for anyone who has others who depend on them for their financial well-being.
Social Security Planning
Social security is a key part of almost every retiree’s income plan. And there are very important decisions that need to be made about when to claim, spousal benefits for married couples, divorcees or widows, survivorship benefits and the taxation of your social security benefits. Unfortunately there are a lot of misconceptions about social security that can leave people confused and looking for clear answers.
We understand the intricate details of social security and can help clients maximize their benefit, plan for spousal benefits and possibly reduce the taxes they will pay on their social security benefit. We have software to provide a personalized report comparing total benefits received for different claiming strategies. We also have software to incorporate different social security claiming strategies within the context of one’s overall income plan to include pension income, continued work and drawing from investments.
Here are a few things we can help you with:
Understand the future value of your social security benefit.
Provide an analysis of your different claiming options and offer advice about which option may add the most value to you and your family in retirement.
Coordinate your claiming strategy with other sources of retirement income (i.e. pensions, continued work, investment income, etc)
Help you to understand the impact life events such as marriage, divorce or the passing of a spouse has on your social security.