For You and Your Family

#1: How good is your Safety net?

Client issues we address:

  • Clients want to save and invest for growth potential before and during their retirement
  • Clients are very concerned about market volatility
  • Clients wish to minimize taxation and the negative effects of inflation as much as possible
  • Clients are concerned about needing to take withdrawals in times of down markets, thus limiting future growth opportunities
  • Clients want the control of using IRA, 401(k) rollovers or other investments to meet these needs

What we do to address client issues:

  • We employ state of the art programs that simultaneously allow for growth while offering a variety of benefits and features. These highly customizable programs have the following effects:
  • Clients choose their risk portfolio. It can be conservative, moderate or aggressive and some allocations can be changed at will
  • Safety nets can be fixed, variable or tied to interest rates. The latter allows one to take advantage of higher interest rates in the future
  • More funds can now be potentially available for retirement by investing more aggressively than one might otherwise do if there were no safety nets

Expected outcomes for our clients: 

  • Clients may still have growth potential with customized benefits and features
  • Clients may stay ahead of inflation by allocating more to growth without being encumbered by having too much in fixed portfolios
  • Clients have greater flexibility to avoid distributions “at the wrong time”

#2 : How to make the “Expense” of Long-Term Care turn into an “Asset”

Client issues we address:

  • Our clients are concerned with out of control yearly premium increases
  • Our clients worry that money spent on long term care will be wasted if they don't use it
  • Our clients don't want to have to fight for reimbursement of long-term care expenses

What we do to address client issues:

  • We combine various needs and goals into a single program saving our clients money
  • Long term care insurance premiums are not wasted.  Someone will receive a tax free benefit -- either the client for long-term care or the family as tax free life insurance
  • We use a “single pool of capital” method to give the client the flexibility to control when long-term care money is employed while allowing the client to retain control of the funds

Expected outcomes for our clients:

  • We saved money by combining various needs and goals into a single program
  • Peace of mind
  • A simple to understand single program to meet many needs
  • No need to submit bills and hope to be reimbursed