Products and Services

Social Security Planning

“Social security planning – should I collect at age 62 or 66? 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

Lets us shop your rates for cost effectiveness. For a premium we Insure you Health, Home and automobile. If you go into a home, how much insurance do you have as your lifetime savings? Show video

Lump Sum Rollover vs Annuity Payments

Did you know that if you select individual or joint survivor payments at retirements that this income may be lost to the Nursing Home? Learn how Lump Sum Rollovers benefit you and not the Nursing Home.

Fixed and Fixed Indexed Annuities

Provide principle guarantees/protection and 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

Universal Life, Indexed Life offers tax free death benefits and tax free living benefits, death benefits may be advances tax free for terminal illness or Nursing Home expenses.

Roth Conversions

Learn the ins and outs of converting your IRA to a Roth IRA. Taxes are going up in the future – tax free income will go further in your retirement.

Discount your Estate taxes 70-80%

Learn how inexpensive second to die Life Insurance is the cheapest way to pay Federal Estate taxes. Show video

Charitable Reminder Trusts

Learn how to eliminate taxes on highly appreciated stocks and real estate. Huge tax savings and lifetime income plus benefit your favorite charity.

Legal Referrals

For 35 years we have worked with Elder Law attorneys and Medicaid attorneys. Feel free to use one of our elder law attorneys.