At least 70% of people over the age of 65 will need long-term care services and support at some point.  With the cost of healthcare continuing to rise year after year, it is important to protect your assets from an unexpected event that can impact your family’s finances.  We offer solutions for protection where benefits are paid directly to you or a medical provider that you designate.  It's your choice.  You have the Freedom to design a plan that fits your budget.

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Having a whole life insurance policy in place can be a very loving and considerate thing to do for loved ones.  Planning ahead is smart especially when loved ones are concerned.  Final Expense Whole Life Insurance is one way for you to help protect loved ones during a difficult time.  Funds may be used for final expenses and other purposes.

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A variety of programs available to provide your family financial protection against life’s uncertainties.  Protect your family with safety from loans, debts, and financial obligations with a lump sum benefit to help pay for the unexpected.  Affordable programs offer you peace of mind.  Get protected today!

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Protect your assets from loss due to market downturns!  Provide for your family with a lifetime of income!  Grow tax deferred!  Customize a strategy that works with your retirement goals.  Choose fixed rates or point-to-point methods all while selecting a market index giving you the opportunity to participate in gains while not participating in market losses.  Get access to your money when you need it.  Leave a legacy to loved ones.  Get the safety and peace of mind you deserve today!

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A comprehensive retirement plan includes a strategy or Life Plan that helps guide you every step of the way.  Lay the groundwork now to protect your estate from bureaucrats and costly “Probate Fees” that can cost your beneficiaries time and money.

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There are strategies and legal tools to help protect creditors or others from seizing your personal property.  Don’t leave valuable assets exposed.  Advanced techniques that are relevant not only for asset protection, but also for wealth transfer planning and estate tax mitigation.  We have partners to help implement a solid Asset Protection Plan now!

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The 401(k) is one of the most popular forms of defined contribution retirement savings plans.  As an employee who participates in this type of plan and makes contributions through payroll deductions you can often receive a matching contribution by the plan sponsor.  Typically, invested more in risk rather than safety accounts.  A 401(k) can be rolled into a safe account at age 59 ½ or when you terminate a relationship with the plan sponsor.

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An individual retirement account (IRA) allows you to save money for retirement in a tax-advantaged way. An IRA is an account set up at a financial institution that allows an individual to save for retirement with tax-free growth or on a tax-deferred basis.  There are annual contribution limits based on the current year and age.  A Roth IRA is an Individual Retirement Account to which you contribute after-tax dollars. While there are no current-year tax benefits, your contributions and earnings can grow tax-free, and you can withdraw them tax- and penalty-free after age 59½ and once the account has been open for five years.

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For many people, rolling their 401(k)-account balance over into an IRA is the best choice. By rolling your 401(k) money into an IRA, you'll avoid immediate taxes, and your retirement savings will continue to grow tax-deferred.  We have a road map to help guide you to make the right choice for your goals.

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Is a TSP the Same Thing as a 401(k)? Not exactly, though they are structured similarly and have the same contribution limits. A TSP is what the federal government offers instead of a 401(k), which is the type of plan offered by private employers. Thus, you cannot have both a TSP and a 401(k).

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A Roth IRA conversion can be a very powerful tool for your retirement. If your taxes rise because of increases in marginal tax rates—or because you earn more, putting you in a higher tax bracket—then a Roth IRA conversion can save you considerable money in taxes over the long term.

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