Retire with a S.M.I.L.E.
Sufficient Income | Medical Coverage | Insured Legacy | Long-term Care | Estate Plan
Sufficient Income
Everyone has different goals for retirement, but at minimum most people want to be comfortable and have the freedom to spend time in a way that brings them enjoyment.
As we get closer to the golden years, most people start shifting their attention away from wealth accumulation to wealth preservation and distribution. We can help you keep your retirement dollars safe from market risk while minimizing the impact of taxation and inflation with a guaranteed income you can never outlive.
Medical Coverage
Most Americans over the age of 65 qualify for Medicare to cover their health related costs. However, many are unaware that Medicare only goes so far. There are expenses that Medicare does not cover and certain limits on things it does cover.
Through Medicare Supplements, Medicare Advantage plans, and other supplemental coverages, we can make sure you have a plan in place that does not leave you financially exposed in the event of an uncovered or partially covered injury, illness, or hospitalization.
Insured Legacy
You more than likely love your children/grandchildren deeply and do not want to leave them with a financial burden when you transition. Indeed, you most likely have a strong desire to contribute to their long-term financial success.
You may also have a cause that you are passionate about or a favorite religious institution, college, or charity.
Let us help you explore strategies that will give you the satisfaction of being the blessing that you want to be.
Long-term Care
The need for long term care can result from illness, impairment, or an accident or injury.
Life expectancies and costs for care continue to rise. If you were to need long-term care, a policy can help protect your assets and give you the freedom to afford the type of care you want.
You can purchase long-term care protection in conjunction with a life insurance or annuity policy.
Estate Plan
Do you want the government to dictate what happens with your assets when you pass on or do you want the final say?
Do you want limit taxes on your estate so that your heirs get more and Uncle Sam gets less?
If so, our highly qualified estate planning partners can help get your affairs in order with such protections as wills, trusts, and a Medical Power of Attorney - keeping you in control of the things you've worked hard to accumulate.
