Our goal is really just to make sure our client’s understand their retirement. That may sound silly but, believe it or not, most clients don’t really know exactly how much income they can expect to receive in retirement! We want you to know if what you’re doing is working. If you’re on pace to retire without a significant loss of income or if there’s some catching up that needs to take place. Most importantly, we want to make sure you understand the investments. We’ll get you the information, what you do with that information is completely up to you.

One of our favorite offerings is a retirement plan disguised as a life insurance policy. If you’re under 45 and investing in a retirement account with no match; committing over and above your match; or you’re someone who isn’t saving for retirement (yet) this is the plan for you. These policies are indexed against the S&P 500, but unlike other retirement accounts, they’re insured against loss. These accounts accrue cash value with tax-free flexible access, they’re 100% portable, and non-arbitrable. Wealth is created when you can make your dollar work for you in multiple ways. Let us help make your money work for you.

When structured correctly, IUL policies have the capacity to create legacy wealth for children as they transition into adulthood and beyond. In addition to guaranteed future insurability, these policies are affordable, insured against loss, bear no impact on financial aid, and accrue cash value that has tax-free flexible access. These policies are one of those concepts that fall into the category of “Why didn’t anyone teach us about this sooner!?”

A home is the largest single investment of most people’s lives. Do you have a plan in place to protect that investment if you were to die or become disabled? This homeowners insurance protects you if a health issue arises and you become disabled, or a job loss is lengthy. It can also protect your family, and keep them in your home, if one of the breadwinners dies or can’t work due to disability.

Medical bills are the leading cause of personal bankruptcies in the US. Criticial illness insurance pays a lump sum benefit for covered illnesses like heart attacks, cancer or stroke. The benefit from a critical illness policy can cover anything from medical expenses not covered by a healthcare policy to household bills for things like transportation, childcare, utilities, rent or mortgage payments — even groceries. These policies typically come at a relatively low cost, and ensure your family has the financial stability necessary to focus on what matters most — getting well.