Personal Services

We can help you put protection in place for yourself and your loved ones

INSURANCE & ANNUITIES

Life Insurance

There are many reasons to add life insurance as an asset class to your financial portfolio.

It can provide you tax-free access to cash for covering education costs for your kids, investment opportunities, funds to use when the stock market is down or simply for unexpected expenses. You can leverage the cash value for business opportunities and emergencies while you are alive.

Once you pass away, the death benefit can be used by your loved ones to cover funeral services, burial costs, and estate taxes. Most importantly it replaces income that would be lost to your family in the event of your premature death. Life insurance provides a vehicle for income-tax free distribution to your loved ones and your favorite charities.

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Income Protection
(Disability Income Insurance)

If you get sick or hurt to where you have an extended illness and cannot work, how will you cover your personal living expenses?

Your employer might offer you a Group Long Term Disability (Group LTD) plan that typically pays up to 60% of your gross base W2 pay. Can you afford to live off of 60% of your typical income? Your bonus and commission are generally excluded.

An individual LTD policy helps to close the gap between the income you normally take home and what the Group LTD will provide. It also stays with you no matter who your work for.

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Annuities

It can be quite an adjustment for some when they leave work and are no longer getting a regular direct deposit. Annuities provide a way to experience tax-deferred growth and create an option for a guaranteed income stream.

There are different types of annuities with different riders, levels of risk and different timeframes to access the income.

Book a consultation and we can work together to define an annuity strategy that aligns with your financial goals.

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Long-Term Care Insurance

Most people have very little understanding how long term care coverage works in America and just how expensive it can be. (Health insurance does not cover the cost of long-term care).

This can be a large financial burden, even for families with means. Be proactive. There are several options available beyond the 'use it or lose it' plans of the past.

Learn how you can proactively position yourself and your family to reduce or eliminate the out of pocket cost of this care if it is needed.