HOW WE CAN HELP

SPECIALIZED OPPORTUNITIES

HOW WE CAN HELP

What Secure income means for you

Every plan we prepare is designed after careful research, to benefit our clients present & future circumstances. Then serving the clients future as their circumstances mature & change. Building long lasting client relationships is our business. We expect to serve every client, large or small, personal, family or business for their future. 

 

Now and 10 years from now

Let us help you plan how you will best be prepared and able to live and enjoy the Retirement you have dreamed about. We help you Maximize Growth, Minimize Risk, Reduce fees and taxes where possible, Maximize Lifetime Income and Maximize Future Flexibility. Let us show you how!

What Secure income means for you

Every plan we prepare is designed after careful research, to benefit our clients present & future circumstances. Then serving the clients future as their circumstances mature & change. Building long lasting client relationships is our business. We expect to serve every client, large or small, personal, family or business for their future.

Now and 10 years from now

Let us help you plan how you will best be prepared and able to live and enjoy the Retirement you have dreamed about. We help you Maximize Growth, Minimize Risk, Reduce fees and taxes where possible, Maximize Lifetime Income and Maximize Future Flexibility. Let us show you how!

What We Can Help You With

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retirement income planning

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Maximizing Social Security

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Other general considerations

assets under management

Let Jill show you how you may enjoy most of the markets upturns and avoid most of the market’s losses, protecting your wealth for yours and your heirs future.

Warren Buffet says, the first rule of investing is to never lose what you have, the second rule is to refer to the first rule.

Retirement income planning

 

Let us prepare your “Lifetime Financial Road Map!”

We are Income Specialists by education and experience.  Your life and especially retirement after salary or wages are gone is income dependent, we may help you plan future security. Both of you or each of you?  How much can you safely spend before your assets are gone?  How long will you need income?  What will your old age expenses be?  Will you be independent or need care?  How long and at what cost?  When you die, will there be anyone else still depending on you?  For how much?  Will Social Security help you?  Will a Pension?

 

Planning to Maximize Growth, Minimize Risk, Reduce fees & taxes where possible, Maximize Lifetime Income and Maximize Future Flexibility is our method to provide answers to these critical questions for your possible lifetime.  What you spend is up to you, but without experienced guidance and a lifetime “Financial Road Map” you may miss great experiences by spending to little or spend too much and be out of money before you are out of need.

Retirement income planning

 

Let us prepare your “Lifetime Financial Road Map!”

We are Income Specialists by education and experience.  Your life and especially retirement after salary or wages are gone is income dependent, we may help you plan future security. Both of you or each of you?  How much can you safely spend before your assets are gone?  How long will you need income?  What will your old age expenses be?  Will you be independent or need care?  How long and at what cost?  When you die, will there be anyone else still depending on you?  For how much?  Will Social Security help you?  Will a Pension?

 

Planning to Maximize Growth, Minimize Risk, Reduce fees & taxes where possible, Maximize Lifetime Income and Maximize Future Flexibility is our method to provide answers to these critical questions for your possible lifetime.  What you spend is up to you, but without experienced guidance and a lifetime “Financial Road Map” you may miss great experiences by spending to little or spend too much and be out of money before you are out of need.

Maximizing social security

Maximizing Social Security starts with understanding the intricacies of a social program you have paid into for decades. Very complex, more so than our tax system, we help you benefit the most for you and your family. Your social Security, if properly elected may be one of your most valuable assets.  Let us help you select benefits for your best results.

Without advice, instead of receiving the best benefits for you & your family you may pay penalties, miss opportunities or receive the least, let us help you.

Other General Considerations

Every financial tool serves specific specialized purposes.  Examples;

Other General Considerations

Every financial tool serves specific specialized purposes.  Examples;

DISABILITY INCOME

While working Disability Income Plans continue your income if unable to work due to results of accident or illness. May provide general income or specifics like mortgage payments. This may be critical to protect your family’s lifestyle.

LIFE INSURANCE

To provide or fulfill family, business or estate obligations or desires when a death occurs. The selection of appropriate plan for your circumstance is critical. Many varieties of plans are available.

LONG-TERM CARE INSURANCE

To take care of or help with Elder Care costs when needed or to help protect family legacy. May provide home care or any appropriate care facility.  Such costs, if not covered, can bankrupt your retirement plans.  Lets discuss several options.

BUSINESS INSURANCE

Generally refers to Life, Disability and Annuities to provide protection to Owners, Key Employees, General Employees and their families at death or retirement. The continuity of the business could result if loss of a key employee or owner, due to death or disability. Also fund purchase agreements for stock purchase following retirement, death or disability.  Requires specialized planning.

 

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ESTATE PLANNING

Is a broad personalized term for the method of distribution of your assets now or in the future. It may be as simple as gifting something now, or providing life insurance to a beneficiary at your death. Usually it requires a Will & may include one or more Trusts and Trustees to accomplish more advanced planning strategies.  This might include directing an asset or business to certain heirs. It may be to save taxes, or provide care, or income.  Requires careful consideration to accomplish your long-term objectives.