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