Retirement Planning Services
Comprehensive strategies to protect your income, plan for care needs, and create a lasting legacy
Disability Insurance
Income replacement if you become unable to work due to illness or injury. Protects your earning power and helps maintain your standard of living.
Key Benefits
- •Replaces portion of lost income
- •Protects your most valuable asset (ability to earn)
- •Helps pay bills during disability
- •May include partial disability coverage
Important Considerations
- •Typically covers 60-70% of income
- •May have elimination period before benefits
- •Pre-existing conditions may be excluded
- •Premiums increase with age
Long-Term Care Planning
Strategies to cover the cost of long-term care services without depleting retirement savings. Options include traditional LTC insurance, hybrid policies, and self-funding strategies.
Key Benefits
- •Protects retirement assets from care costs
- •Provides care choices and flexibility
- •Reduces burden on family members
- •May include home care coverage
Important Considerations
- •Premiums can be expensive
- •Health requirements for approval
- •Benefits may not cover all costs
- •Policy terms vary significantly
Retirement Income Planning
Comprehensive strategy to create reliable retirement income from multiple sources including Social Security, pensions, annuities, and investments.
Key Benefits
- •Maximize Social Security benefits
- •Create reliable income streams
- •Tax-efficient withdrawal strategies
- •Coordinate all income sources
Important Considerations
- •Requires ongoing monitoring and adjustments
- •Market risk affects investment income
- •Inflation impacts purchasing power
- •Healthcare costs can be unpredictable
Legacy Planning
Strategies to efficiently transfer wealth to heirs while minimizing taxes. Includes life insurance planning, beneficiary optimization, and coordination with estate planning.
Key Benefits
- •Maximize inheritance to beneficiaries
- •Minimize estate taxes
- •Provide liquidity for estate expenses
- •Create lasting family legacy
Important Considerations
- •Requires coordination with attorney
- •Life insurance costs increase with age
- •Estate laws change over time
- •Family dynamics may complicate planning
Ready to Build Your Retirement Plan?
Let's work together to create a comprehensive retirement strategy that protects your income, plans for care needs, and ensures your legacy.