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Planning
Retirement Planning
Retirement planning is the process of setting financial goals and creating a structured approach to ensure you have sufficient income and resources to support your lifestyle during retirement. It involves saving, investing, and making strategic financial decisions throughout your working years to create a reliable money source that will sustain you in your retirement years. The sooner you start planning for retirement, the better it is. Starting early allows your investments to benefit from compounding growth, even with smaller contributions. However, it’s never too late to start, and strategic adjustments can still significantly improve your retirement outlook at any stage.
Kids College Planning
College planning for kids involves saving, investing, and strategically planning to cover future college expenses. Our plan enables you to use the funds beyond just educational expenses, all while no early withdrawal penalties. This flexibility allows you to allocate your savings as needed, providing financial security for a range of future goals, whether that’s for college, emergencies, or other important life events. Take advantage of our comprehensive savings solution that works for you
Estate - Will & Trust Planning
Last Will & Testament Dictates debt arrangements, asset distribution, and guardianship for minor children at death. Usually called a Will.
Revocable Living Trust Often pairs with your Will to distribute certain assets and funds through the Trust instead of your Will to avoid probate court and maintain privacy.Power of Attorney Authorizes those responsible for making financial decision and transactions if you are incapacitated.
The Living Trust package that we offer will protect your assets by minimizing the sometimes lengthy probate process. Probate is a court process that involves distributing the assets of the deceased person’s estate to his or her loved ones. Assets held in a Living Trust are not subject to probate. The Living Trust also protects your children’s inheritance by managing money for minor and young adult children until they are old enough to handle the responsibility themselves.
THE PACKAGE INCLUDES:
- Last Will & Testament
- Revocable Living Trust: Probate Avoidance and Children’s Trusts
- Durable Financial Power of Attorney
- Healthcare Surrogate Designation
- HIPAA Authorization
- Advance Directive/Living Will
- Pet Trust
- Cloud storage
- Spouse plan included
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Annuities are flexible, customizable financial products that can provide a steady income stream, making them a popular tool for retirement security. People often buy annuities to ensure they have a reliable source of income during retirement. Annuities can be customized to meet different financial goals and timelines, from guaranteed lifetime income to a fixed income for a set number of years.
Fixed Index Annuities are tied to a stock market index, like the S&P 500 thus offering a potential for higher returns than fixed annuities. It comes with 0% floor meaning it has downside market protection and you do not lose your principal amount and has guaranteed minimum return rates.
Fixed Annuities provide a guaranteed, regular payment amount, making them low-risk and predictable. This type is often used by those who want steady, dependable income without market fluctuations.
