Our Niche

So now it is time to retire. Many people can become easily overwhelmed by the of conflicting information. Additionally, we are all individuals with different goals and different assets in our portfolios. Our economic environment is constantly changing.

Preparing to enter retirement requires a paradigm shift in our way of thinking. We need to employ a new set of financial tools that can help us generate that retirement we have always dreamed about. The products and strategies used in the past for growth may not provide any the protection of principal or the income stream we need to replace an employment salary. This is a time to look to a financial professional for help.

Your qualified retirement plans (like an IRA, 401(k) or 403(b)) become available as you enter the retirement phase. These plans have their own set of rules and regulations for you to navigate, especially around taxation. A financial professional can help you avoid common mistakes. With 27 years of experience in the industry and 13 years of affiliation with Ed Slott, America’s IRA Expert, my focus and experience can help guide my clients into this new phase of life.

I would like to share this knowledge and training with you. We can personally develop a plan to:

Create an income plan that allows you to enjoy your retirement
Help implement taxes reduction strategies
Provide protection and growth of your assets
Provide Retirement Strategy Planning for your Qualified Accounts
Develop strategies to generate “Tax-Free” income and legacy benefits
Implement and create estate legacy plans

Our belief is that you have worked too hard to get to this point in life. It is time to relax, enjoy and relish the retirement years. Retirement should be the “Golden Years”.

If this sounds good to you, then it is time to call and schedule an appointment. We will guide you through the process and we look forward to meeting you.

Life Insurance

Life insurance may provide some comfort for the policyholder because their loved ones will receive a death benefit when they pass away. It can also offer a number of benefits that may make it a valuable tool...
Guarantees are backed by the financial strength and claims-paying ability of the issuing insurance company. Policy loans and withdrawals will reduce available cash values and death benefits and may cause the policy to lapse or affect any guarantees against lapse. Additional premium payments may be required to keep the policy in force. In the event of a lapse, outstanding policy loans in excess of unrecovered cost basis will be subject to ordinary income tax. Withdrawals are generally income tax-fee, unless the withdrawal amount exceeds the amount of premium paid. Policy loans are not usually subject to income tax unless the policy is classified as a modified endowment contract (MEC) under IRC Section 7702A. However, withdrawals or partial surrenders from a non-MEC policy are subject to income tax to the extent that the amount distributed exceeds the owner’s cost basis in the policy. Tax laws are subject to change. Clients should consult their tax professional. Keep in mind that most life insurance policies require health underwriting and, in some cases, financial underwriting.

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