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”

 

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               #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