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