Our goal is to provide successful retirement strategies.

Let’s keep this simple so you can concentrate on relaxing and having fun.  Successful retirement strategies may include guaranteed lifetime income, healthcare coverage, and a strategy to pass on your assets to your loved ones.  There are several options to help cover these risks to protect your retirement savings.

 

Income

Running out of money is the greatest fear for many retirees and our longevity is increasing year after year.  Obtaining sources of income guaranteed for your lifetime provides control.  Peace of mind is achieved when knowing that your guaranteed income covers your expenses, regardless of market performance and life events.

 

Healthcare

Medical costs may very well be your largest retirement expense.  Medicare with Medicare Supplement provides health maintenance coverage.  To help protect retirement savings, a strategy to manage long-term care expenses is a necessity.  Long-term care expenses can deplete savings rapidly leaving a surviving spouse exposed.

 

Legacy

Your retirement strategy may need to efficiently transfer your wealth to your loved ones.  There are strategies that will allow you to tax-efficiently transfer your assets while you’re alive and maintaining independence and control.

 

Tax-Efficient Strategies

A key is to keep your retirement taxes low and not wait until retirement to start making plans. Instead, make plans well before you rely on your retirement savings as your main source of income.  Financial planning is no easy task. You may want to seek the advice of a financial advisor with experience in designing tax-efficient wealth strategies.

 

Tax minimization provides specific tax-saving strategies and implementation tactics to use prior to and during retirement.  Future tax rate increases are out of our control.  Retirees need a tax strategy that will help minimize the risk of future tax increases to pay existing government debt, pensions, and healthcare obligations.

 

Our agency is not permitted to offer, and no statement contained herein shall constitute, tax or legal advice. You should consult a legal or tax professional on any such matters.