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
