We Get Asked…
There are some common things potential clients would like to have information about. We’ve put together the questions we get asked most frequently along with the answers that will help with your planning decision.
Being a Fiduciary is the new buzz word being tossed around in financial planning circles today. The fact is, anyone selling any kind of financial or investment product today is required by law and regulation to act as a fiduciary. We would like to say we hold ourselves to a higher standard than this as we also apply the Best Interest Standard, and ultimately the Golden Rule.
In today's world, most people don't have pensions. They also don't know how much they can safely spend without running out of money. Our plans focus on meeting client's needs and wants with a guaranteed secure monthly check.
You could, but you have far greater control if you take it over into your own IRA. You will have a greater number of safe investment options and secure a guaranteed income that you can't outlive.
In times past, bank savings accounts and CDs were a good choice. But the interest rate environment is so low that inflation more than eats any growth. Fixed rate, and now, Fixed Index Annuities have always been a strong option for generating income and safely securing a retirement plan. There is no one solution that is right for everyone, but for many people, annuities play an important part of their happy, secure retirement.
We believe in having a wide range of options to meet whatever need a client has. We offer insurance based options from over 85 companies, managed portfolios and equities. However, the level of safety a client requires may limit those options.
Old retirement rules and ideas don't work any more. We run into clients every day who were told they were going to run out of money or make drastic lifestyle cuts. We've found that by taking risks of the table and securing an income that we can provide a better, safer retirement lifestyle than clients thought were possible.
The whole focus of our process is to make sure you are not affected by the unexpected. The happiest retirees have the security of knowing that nothing will happen to their monthly retirement check - and that their needs and wants are covered no matter what is happening to stocks or bonds.
People are living longer and with improvements in healthcare, a health event may extend your life, but diminish your lifestyle and the things you can do for yourself. We've all seen the effects living in a long term care facility can have on a family's nest egg. In the past, a Long Term Care Insurance policy could be a good option, but they have become difficult to get and are very costly. Fortunately, we have new style Long Term Care Protection plans that allow you to set aside a portion of your assets that will multiply several times from day one, give you access to your money while you're alive, and if you never need Long Term Care services will return the money to your family when you're no longer here.
Still want to know more?
We’re glad to offer a hand and help with answers to any questions you might have. Please fill out the request below or call during regular office hours for a prompt reply.
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