SERVICES

Over 50 years of retirement planning experience

Plan On a Great retirement

We are here to Help

Social Security Planning

Social security planning – when should I collect? Break even analysis, file and suspend, maximizing spousal benefits. Our advanced social security program will provide you with detailed strategies that will maximize your lifetime benefits.

Lifetime Income

Create an income that you cannot outlive. Your income will also increase based upon an annual Cost of Living adjustment

Long Term Care Insurance

Ensure your estate is protected and that you receive the level and type of care you would want should long term care be needed.

Lump Sum Rollover
vs Annuity Payments

Protect your income from the nursing home.

Fixed and Fixed Indexed Annuities

Principle guarantees and protection. Lock in your gains each year. In addition, fixed and fixed indexed annuities are tax-deferred until withdrawals are made.

Term Life Insurance

Competitive term rates 10, 15, 20, 30 year term with liberal conversion options.

Permanent Life Insurance

Insurance coverage that never expires, combined with both a death benefit and a savings component. Enjoys a favorable tax treatment.

Roth Conversions

Tax-free income will go further in your retirement. Learn the ins and outs of converting your IRA to a Roth IRA. Protect your income from rising taxes.

Discount your Estate taxes 70-80%

Learn how inexpensive "Second-to-die" Life Insurance is the cheapest way to pay federal estate taxes.

Charitable Reminder Trusts

Learn how to eliminate taxes on highly appreciated stocks and real estate. Achieve huge tax savings and increase lifetime income while benefiting your favorite charity.

Legal Referrals

We have have worked with Elder Law attorneys and Medicaid attorneys for over 35 years.